La Crescent, MN · Cert 57493
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.30% | 1.65% | 1.55% | 0.72% | 0.90% | 0.94% | 0.98% | -57 bps | |
| Return on Equity | 20.55% | 14.94% | 18.31% | 15.91% | 6.69% | 8.25% | 9.83% | 11.49% | -442 bps | |
| Net Interest Margin | 4.60% | 4.51% | 4.77% | 4.75% | 5.50% | 4.31% | 3.83% | 3.69% | -105 bps | |
| Efficiency Ratio | 59.29% | 60.74% | 56.26% | 59.62% | 80.78% | 72.53% | 66.33% | 66.35% | +673 bps | |
| Non-Interest Burden | 2.29% | 2.29% | 2.08% | 2.16% | 4.06% | 2.75% | 2.15% | 1.76% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.48% | 11.57% | 1.78% | -2.76% | 44.30% | 49.50% | 62.47% | 72.72% | +7,548 bps | |
| Loan Growth (YoY) | 4.98% | 5.55% | 1.21% | -6.64% | 44.78% | 46.89% | 62.11% | 67.40% | +7,404 bps | |
| Deposit Growth (YoY) | 8.81% | 9.78% | -0.60% | -0.01% | 44.86% | 50.79% | 64.58% | 78.72% | +7,873 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.04% | 0.17% | 0.02% | 0.40% | -0.01% | 0.12% | 0.44% | +42 bps | |
| Allowance / Loans | 1.14% | 1.17% | 1.17% | 1.22% | 1.29% | 1.31% | 1.30% | 1.35% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.11% | 12.38% | 13.22% | 13.29% | 13.51% | 13.72% | 11.55% | 11.85% | -145 bps | |
| Equity / Assets | 8.69% | 8.65% | 9.38% | 10.09% | 11.26% | 10.60% | 8.53% | 8.52% | -157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.76% | 85.99% | 85.26% | 85.39% | 88.71% | 83.77% | 83.98% | 79.98% | -540 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |