Saint Paul, MN · Cert 57735
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.25% | -0.09% | -1.52% | 0.15% | -0.40% | -5.73% | -8.15% | -7.59% | -773 bps | |
| Return on Equity | -1.91% | -0.69% | -12.56% | 1.54% | -4.25% | -69.69% | -120.37% | -3120% | -312,128 bps | |
| Net Interest Margin | 3.68% | 3.74% | 3.63% | 3.65% | 3.31% | 3.41% | 3.22% | 3.53% | -12 bps | |
| Efficiency Ratio | 103.56% | 98.55% | 103.94% | 83.39% | 93.13% | 90.24% | 90.78% | 106.88% | +2,349 bps | |
| Non-Interest Burden | 3.81% | 3.68% | 3.78% | 3.02% | 3.07% | 3.06% | 2.91% | 3.81% | +79 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.27% | 14.04% | 20.35% | 27.88% | 22.19% | 12.68% | 10.93% | -7.77% | -3,565 bps | |
| Loan Growth (YoY) | 23.71% | 25.74% | 27.30% | 28.85% | 22.48% | 14.71% | 2.89% | -7.14% | -3,599 bps | |
| Deposit Growth (YoY) | -12.71% | -4.43% | 18.76% | 35.87% | 35.92% | 33.69% | 38.27% | 17.54% | -1,833 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 | 0.22% | 0.14% | 0.10% | 0.00% | 0.06% | 2.40% | 3.87% | 2.61% | +261 bps | |
| Allowance / Loans | 1.02% | 1.04% | 2.13% | 2.10% | 2.28% | 5.07% | 7.45% | 9.03% | +693 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 | 14.46% | 14.13% | 12.35% | 11.35% | 11.14% | 7.00% | 2.72% | -0.88% | -1,223 bps | |
| Equity / Assets | 12.68% | 11.56% | 10.03% | 9.02% | 9.07% | 4.93% | 1.15% | -0.73% | -975 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 140.12% | 133.05% | 134.70% | 124.65% | 126.27% | 114.17% | 100.24% | 98.47% | -2,618 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.28% | 0.08% | +8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |