N. Mankato, MN · Charter 63668
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 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.
N. Mankato, MN · Charter 63668
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -0.69% | -0.65% | -1.79% | -1.32% | -1.91% | -2.07% | -10.35% | -856 bps | |
| Return on Equity | -6.54% | -3.74% | -3.50% | -10.37% | -8.06% | -11.86% | -13.45% | -114.18% | -10,380 bps | |
| Net Interest Margin | 3.26% | 3.34% | 3.07% | 3.08% | 3.11% | 3.05% | 3.04% | -0.44% | -351 bps | |
| Efficiency Ratio | 135.69% | 117.98% | 120.19% | 147.96% | 122.72% | 147.42% | 157.59% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.15% | -4.10% | -8.08% | -6.38% | -4.79% | -3.11% | -0.56% | -13.32% | -694 bps | |
| Loan Growth (YoY) | -13.56% | -13.69% | -8.25% | 1.94% | -1.51% | -2.52% | 10.32% | -0.53% | -247 bps | |
| Share Growth (YoY) | -1.32% | -3.41% | -8.23% | -5.04% | -2.74% | -0.54% | 3.20% | -4.52% | +52 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.33% | 0.60% | 0.57% | 0.00% | 0.00% | 0.00% | 0.00% | -57 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 | 0.54% | 0.40% | 0.40% | 0.56% | 0.47% | 0.59% | 0.53% | 2.40% | +184 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.05% | 18.30% | 18.49% | 17.27% | 16.38% | 16.12% | 15.41% | 9.06% | -820 bps | |
| Net Worth / Assets | 18.05% | 18.30% | 18.49% | 17.27% | 16.38% | 16.12% | 15.41% | 9.06% | -820 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.55% | 59.20% | 59.47% | 62.20% | 56.26% | 58.02% | 63.58% | 64.80% | +260 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |