Woodbury, MN · Cert 57736
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 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.
Woodbury, MN · Cert 57736
FDIC
Q2 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.50% | 0.13% | -3.85% | -3.43% | -4.67% | -6.43% | -10.67% | -683 bps | |
| Return on Equity | -5.60% | -3.71% | 1.08% | -35.04% | -33.31% | -49.64% | -118.29% | -308% | -27,277 bps | |
| Net Interest Margin | 4.42% | 3.98% | 4.01% | 3.30% | 3.20% | 2.93% | 2.03% | 1.85% | -145 bps | |
| Efficiency Ratio | 97.31% | 95.12% | 85.24% | 106.59% | 110.12% | 121.86% | 194.69% | 256% | +14,921 bps | |
| Non-Interest Burden | 4.30% | 3.78% | 3.41% | 3.52% | 3.53% | 3.58% | 4.01% | 4.88% | +137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.92% | 24.23% | 30.72% | 21.49% | 5.28% | 14.81% | 6.14% | -7.57% | -2,906 bps | |
| Loan Growth (YoY) | 51.55% | 46.62% | 44.97% | 32.79% | 20.10% | 14.84% | -1.87% | -16.40% | -4,919 bps | |
| Deposit Growth (YoY) | 46.03% | 37.13% | 23.24% | 10.73% | -5.42% | 13.99% | 19.80% | 12.87% | +214 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 | 0.68% | 0.49% | 0.35% | 0.16% | 0.72% | 0.61% | 0.58% | 13.92% | +1,376 bps | |
| Allowance / Loans | 1.06% | 1.05% | 0.99% | 3.23% | 3.51% | 5.87% | 7.98% | 4.91% | +167 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 | 13.79% | 13.37% | 12.52% | 9.65% | 8.70% | 5.94% | 3.83% | -2.35% | -1,201 bps | |
| Equity / Assets | 11.35% | 12.10% | 11.54% | 9.37% | 8.38% | 6.16% | 4.70% | -1.03% | -1,040 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.47% | 104.73% | 127.06% | 132.11% | 122.51% | 105.51% | 104.07% | 97.85% | -3,426 bps | |
| Liquid Assets / Assets | 0.21% | 0.34% | 0.72% | 0.08% | 4.39% | 3.97% | 9.18% | 7.58% | +750 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |