Otsego, MN · Cert 57525
FDIC
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.35% | -12.42% | -3.39% | -8.96% | -1.81% | +554 bps | |
| Return on Equity | -100.65% | -220% | -80.20% | -310% | -99.48% | +117 bps | |
| Net Interest Margin | 3.04% | 2.57% | 2.19% | 1.91% | 1.99% | -105 bps | |
| Efficiency Ratio | 109.66% | 197.08% | 156.67% | 213% | 184.34% | +7,468 bps | |
| Non-Interest Burden | 3.41% | 4.25% | 3.56% | 4.61% | 3.92% | +52 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.33% | -12.87% | -10.45% | -18.60% | -24.80% | -1,447 bps | |
| Loan Growth (YoY) | -6.83% | -16.72% | -20.00% | -36.17% | -38.05% | -3,122 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 2.67% | 18.45% | 1.57% | 9.13% | 2.32% | -35 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.38% | 6.66% | 5.82% | 3.45% | 2.95% | -643 bps | |
| Equity / Assets | 6.59% | 4.67% | 3.81% | 1.85% | 1.79% | -480 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.47% | 90.51% | 92.75% | 83.57% | 89.08% | -939 bps | |
| Liquid Assets / Assets | 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 |