Woodbury, MN · Cert 57736
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.39% | 0.24% | 0.13% | -7.66% | -2.64% | -8.16% | -6.43% | -15.07% | -741 bps | |
| Return on Equity | -11.09% | 2.09% | 1.08% | -73.36% | -29.76% | -112.51% | -118.29% | -752% | -67,871 bps | |
| Net Interest Margin | 4.57% | 3.98% | 4.01% | 2.83% | 3.27% | 2.42% | 2.03% | 1.43% | -140 bps | |
| Efficiency Ratio | 95.43% | 88.49% | 85.24% | 134.80% | 117.01% | 166.60% | 194.69% | 348% | +21,336 bps | |
| Non-Interest Burden | 4.36% | 3.51% | 3.41% | 3.84% | 3.83% | 4.07% | 4.01% | 5.28% | +144 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 | 1.71% | 0.01% | 0.35% | -0.02% | 1.83% | 0.28% | 0.58% | 27.19% | +2,721 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 |