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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.16% | -0.19% | -3.63% | -7.35% | -12.42% | -3.39% | -8.96% | -1.81% | +554 bps | |
| Return on Equity | 1.84% | -2.14% | -42.81% | -100.65% | -220% | -80.20% | -310% | -99.48% | +117 bps | |
| Net Interest Margin | 3.42% | 2.84% | 2.96% | 3.04% | 2.57% | 2.19% | 1.91% | 1.99% | -105 bps | |
| Efficiency Ratio | 80.84% | 93.84% | 114.66% | 109.66% | 197.08% | 156.67% | 213% | 184.34% | +7,468 bps | |
| Non-Interest Burden | 2.71% | 2.65% | 3.44% | 3.41% | 4.25% | 3.56% | 4.61% | 3.92% | +52 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 | 0.91% | 0.06% | 0.89% | 2.67% | 18.45% | 1.57% | 9.13% | 2.32% | -35 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 |