New York Mills, MN · Charter 60241
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 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.
New York Mills, MN · Charter 60241
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.43% | -0.53% | 0.43% | 0.11% | 0.40% | 0.38% | 0.30% | -13 bps | |
| Return on Equity | 1.56% | -5.29% | -6.99% | 5.80% | 1.51% | 5.59% | 5.31% | 4.00% | -181 bps | |
| Net Interest Margin | 3.96% | 3.93% | 3.83% | 3.58% | 3.84% | 3.33% | 3.35% | 3.55% | -3 bps | |
| Efficiency Ratio | 87.88% | 97.67% | 101.03% | 82.15% | 82.28% | 83.57% | 84.59% | 90.42% | +827 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.42% | 7.12% | 8.05% | 9.23% | 5.64% | 14.87% | 13.01% | 4.43% | -480 bps | |
| Loan Growth (YoY) | -11.66% | -11.10% | -6.91% | -4.00% | -1.50% | 1.39% | 3.44% | 3.15% | +715 bps | |
| Share Growth (YoY) | 10.45% | 8.05% | 9.54% | 10.79% | 6.13% | 16.18% | 13.69% | 4.35% | -644 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.32% | 2.48% | 3.42% | 2.90% | 3.07% | 2.31% | 2.07% | 1.79% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.88% | 0.96% | 1.07% | 0.89% | 0.94% | 0.86% | 0.69% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.44% | 8.05% | 7.63% | 7.41% | 7.50% | 7.14% | 7.17% | 7.45% | +4 bps | |
| Net Worth / Assets | 8.44% | 8.05% | 7.63% | 7.41% | 7.50% | 7.14% | 7.17% | 7.45% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.65% | 62.71% | 61.13% | 57.91% | 60.92% | 54.72% | 55.62% | 57.24% | -67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |