New Prague, MN · Charter 65530
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 | -0.50% | -1.12% | -1.54% | -1.18% | -1.68% | -1.40% | -1.31% | -1.58% | -41 bps | |
| Return on Equity | -2.65% | -5.89% | -8.28% | -6.56% | -9.75% | -8.85% | -8.50% | -10.63% | -406 bps | |
| Net Interest Margin | 3.35% | 3.43% | 3.39% | 2.75% | 2.67% | 2.12% | 2.19% | 2.19% | -56 bps | |
| Efficiency Ratio | 114.55% | 136.96% | 150.29% | 139.94% | 159.36% | 160.23% | 154.74% | 165.71% | +2,576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 2.01% | 1.07% | -0.53% | -3.81% | 2.80% | 4.01% | 2.40% | +294 bps | |
| Loan Growth (YoY) | -3.68% | -2.86% | -2.75% | -14.85% | -25.24% | -18.75% | -23.14% | -13.97% | +88 bps | |
| Share Growth (YoY) | 5.87% | 4.08% | 3.52% | 1.19% | -1.96% | 6.84% | 7.92% | 6.48% | +529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 2.12% | 1.02% | 2.38% | 3.47% | 1.85% | 4.21% | 4.82% | +244 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 | 3.63% | 3.83% | 2.84% | 3.33% | 3.92% | 2.91% | 2.86% | 3.03% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.01% | 19.01% | 18.54% | 17.92% | 17.23% | 15.79% | 15.48% | 14.91% | -301 bps | |
| Net Worth / Assets | 19.01% | 19.01% | 18.54% | 17.92% | 17.23% | 15.79% | 15.48% | 14.91% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 37.17% | 36.32% | 39.50% | 32.85% | 28.34% | 27.62% | 28.13% | 26.54% | -631 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |