Eden Prairie, MN · Cert 58254
FDIC
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Eden Prairie, MN · Cert 58254
FDIC
Q2 2011
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 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.92% | -2.28% | -0.20% | -0.85% | -0.55% | -1.14% | 0.25% | 0.22% | +107 bps | |
| Return on Equity | -11.07% | -8.73% | -0.83% | -3.61% | -2.40% | -5.07% | 1.17% | 1.02% | +463 bps | |
| Net Interest Margin | 2.56% | 2.44% | 3.01% | 2.98% | 3.14% | 3.06% | 3.05% | 3.23% | +25 bps | |
| Efficiency Ratio | 114.17% | 109.96% | 96.00% | 94.20% | 85.43% | 86.52% | 78.55% | 80.93% | -1,327 bps | |
| Non-Interest Burden | 2.93% | 2.69% | 2.88% | 2.80% | 2.67% | 2.64% | 2.38% | 2.60% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.14% | 13.57% | 16.11% | 19.37% | 17.49% | 13.29% | 4.04% | -3.44% | -2,281 bps | |
| Loan Growth (YoY) | 17.83% | 28.10% | 22.33% | 24.75% | 7.76% | -10.45% | -13.70% | -16.72% | -4,147 bps | |
| Deposit Growth (YoY) | 39.33% | 21.28% | 25.96% | 30.76% | 30.58% | 25.22% | 9.14% | 0.31% | -3,046 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 | 0.05% | 0.04% | 0.00% | 0.15% | 5.28% | 6.38% | 2.22% | 1.11% | +96 bps | |
| Allowance / Loans | 4.99% | 4.51% | 4.65% | 5.21% | 2.22% | 1.76% | 1.37% | 1.48% | -374 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 | 30.38% | 27.36% | 27.15% | 26.37% | 27.07% | 26.97% | 27.31% | 27.70% | +133 bps | |
| Equity / Assets | 25.06% | 25.00% | 23.82% | 22.24% | 20.85% | 20.96% | 21.86% | 22.40% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 115.61% | 134.07% | 122.61% | 116.77% | 95.41% | 95.88% | 96.95% | 96.95% | -1,982 bps | |
| Liquid Assets / Assets | 2.11% | 2.07% | 1.98% | 1.84% | 1.69% | 1.74% | 1.79% | 1.98% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |