Otsego, MN · Cert 57525
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Otsego, MN · Cert 57525
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | -0.19% | -1.90% | -3.67% | -5.74% | -3.39% | -6.18% | -4.87% | -120 bps | |
| Return on Equity | 3.14% | -2.14% | -22.00% | -45.02% | -76.44% | -80.20% | -176.81% | -155.47% | -11,045 bps | |
| Net Interest Margin | 3.43% | 2.84% | 2.95% | 3.02% | 3.07% | 2.19% | 2.14% | 2.26% | -75 bps | |
| Efficiency Ratio | 84.10% | 93.84% | 104.34% | 106.29% | 118.39% | 156.67% | 183.34% | 183.63% | +7,735 bps | |
| Non-Interest Burden | 2.83% | 2.65% | 3.10% | 3.24% | 3.67% | 3.56% | 4.24% | 4.47% | +124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.89% | -1.31% | -6.15% | -10.33% | -12.87% | -10.45% | -18.60% | -24.80% | -1,447 bps | |
| Loan Growth (YoY) | 0.58% | -0.93% | -5.58% | -6.83% | -16.72% | -20.00% | -36.17% | -38.05% | -3,122 bps | |
| Deposit Growth (YoY) | -6.68% | -3.90% | -8.94% | -11.31% | -11.10% | -15.52% | -24.19% | -31.52% | -2,021 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 | 0.39% | 0.06% | 0.48% | 1.22% | 5.64% | 1.57% | 5.57% | 4.71% | +349 bps | |
| Allowance / Loans | 1.38% | 1.50% | 2.30% | 3.88% | 3.34% | 3.82% | 5.32% | 5.01% | +114 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 | 12.16% | 11.88% | 10.78% | 9.38% | 6.66% | 5.82% | 3.45% | 2.95% | -643 bps | |
| Equity / Assets | 8.93% | 8.94% | 7.99% | 6.59% | 4.67% | 3.81% | 1.85% | 1.79% | -480 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.61% | 97.95% | 99.25% | 98.47% | 90.51% | 92.75% | 83.57% | 89.08% | -939 bps | |
| Liquid Assets / Assets | 0.62% | 1.32% | 1.44% | 1.05% | 1.12% | 3.02% | 5.55% | 3.08% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |