Austin, MN · Cert 57801
FDIC
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Austin, MN · Cert 57801
FDIC
Q2 2012
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 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.49% | -0.87% | -0.42% | 0.00% | 3.68% | 0.27% | 0.48% | +90 bps | |
| Return on Equity | -1.40% | -7.58% | -12.46% | -6.00% | 0.05% | 45.39% | 2.44% | 4.33% | +1,033 bps | |
| Net Interest Margin | 3.92% | 4.04% | 4.02% | 4.03% | 4.23% | 4.32% | 4.25% | 4.39% | +35 bps | |
| Efficiency Ratio | 97.16% | 101.13% | 97.04% | 94.28% | 88.30% | 91.33% | 88.37% | 82.56% | -1,172 bps | |
| Non-Interest Burden | 3.77% | 4.10% | 3.87% | 3.75% | 3.63% | 3.90% | 3.68% | 3.49% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -30.76% | -28.79% | -9.85% | -7.82% | 0.03% | 10.00% | 11.23% | 13.03% | +2,086 bps | |
| Loan Growth (YoY) | -15.02% | -16.42% | -14.03% | 1.47% | 8.17% | 20.86% | 27.93% | 25.20% | +2,373 bps | |
| Deposit Growth (YoY) | -30.60% | -29.77% | -9.38% | -7.06% | -0.06% | 0.90% | 6.46% | 8.33% | +1,539 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 | 1.24% | 1.61% | 0.99% | 0.67% | 0.52% | 0.53% | 0.25% | 0.32% | -35 bps | |
| Allowance / Loans | 1.73% | 1.65% | 1.93% | 1.80% | 1.61% | 1.45% | 1.50% | 1.38% | -42 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 | 11.60% | 11.28% | 11.03% | 10.52% | 11.46% | 11.46% | 11.70% | 11.64% | +112 bps | |
| Equity / Assets | 7.03% | 7.16% | 6.87% | 6.94% | 8.08% | 11.19% | 11.01% | 11.05% | +411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.47% | 75.95% | 69.42% | 75.81% | 83.86% | 90.97% | 83.42% | 87.62% | +1,181 bps | |
| Liquid Assets / Assets | 0.27% | 0.32% | 0.33% | 0.38% | 0.38% | 0.23% | 0.79% | 0.36% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |