La Crescent, MN · Cert 57493
FDIC
Q1 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.42% | 1.48% | 1.55% | 1.06% | 1.01% | 0.99% | 0.98% | -57 bps | |
| Return on Equity | 18.23% | 17.06% | 17.37% | 15.91% | 10.25% | 9.65% | 9.96% | 11.49% | -442 bps | |
| Net Interest Margin | 4.44% | 4.45% | 4.44% | 4.75% | 4.45% | 4.25% | 3.93% | 3.69% | -105 bps | |
| Efficiency Ratio | 60.12% | 60.33% | 59.21% | 59.62% | 72.77% | 72.69% | 71.18% | 66.35% | +673 bps | |
| Non-Interest Burden | 2.24% | 2.25% | 2.16% | 2.16% | 2.80% | 2.68% | 2.42% | 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% | -0.02% | 0.03% | 0.02% | 0.21% | 0.13% | 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 |