Montevideo, MN · Charter 63974
Q1 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.23% | 0.81% | 0.28% | 0.06% | 0.03% | -0.43% | -0.43% | -71 bps | |
| Return on Equity | 0.18% | 1.50% | 5.57% | 2.02% | 0.47% | 0.22% | -3.80% | -3.73% | -575 bps | |
| Net Interest Margin | 3.97% | 3.74% | 3.72% | 3.43% | 3.70% | 2.66% | 2.75% | 2.76% | -66 bps | |
| Efficiency Ratio | 83.49% | 76.29% | 53.97% | 78.56% | 73.78% | 98.97% | 103.04% | 115.69% | +3,714 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.00% | 4.78% | 9.56% | 7.50% | 14.00% | 22.48% | 21.81% | 12.69% | +519 bps | |
| Loan Growth (YoY) | -10.91% | -16.76% | -18.21% | -13.00% | -11.20% | -6.44% | -0.46% | -18.42% | -542 bps | |
| Share Growth (YoY) | 6.53% | 7.07% | 12.55% | 10.60% | 16.43% | 26.64% | 26.40% | 17.47% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.60% | 12.73% | 8.82% | 7.84% | 6.35% | 8.55% | 8.05% | 9.35% | +151 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 | 3.59% | 4.21% | 4.45% | 4.28% | 4.66% | 4.85% | 3.59% | 2.83% | -146 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.18% | 15.08% | 14.56% | 13.88% | 13.38% | 12.34% | 11.35% | 11.63% | -225 bps | |
| Net Worth / Assets | 15.18% | 15.08% | 14.56% | 13.88% | 13.38% | 12.34% | 11.35% | 11.63% | -225 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.48% | 70.30% | 62.61% | 62.60% | 59.09% | 51.94% | 49.31% | 43.47% | -1,913 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |