Bird Island, MN · Cert 8184
FDIC
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.
Bird Island, MN · Cert 8184
FDIC
Q4 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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.54% | 0.55% | 1.99% | 0.10% | 0.55% | 0.79% | 0.70% | -128 bps | |
| Return on Equity | 5.00% | 4.50% | 4.41% | 16.31% | 0.96% | 5.41% | 7.78% | 7.16% | -915 bps | |
| Net Interest Margin | 2.96% | 3.07% | 3.10% | 0.19% | 3.04% | 3.20% | 3.05% | 3.12% | +293 bps | |
| Efficiency Ratio | 78.81% | 79.20% | 78.27% | 7.75% | 75.38% | 68.78% | 67.85% | 70.09% | +6,234 bps | |
| Non-Interest Burden | 2.26% | 2.36% | 2.35% | -1.87% | 2.36% | 2.24% | 2.10% | 2.22% | +409 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | -0.36% | 0.92% | -10.86% | 0.43% | 4.43% | 7.14% | 17.55% | +2,841 bps | |
| Loan Growth (YoY) | 16.60% | 15.80% | 7.65% | 1.47% | -15.85% | -17.63% | -20.68% | -13.40% | -1,487 bps | |
| Deposit Growth (YoY) | 0.99% | -0.97% | 0.79% | -10.24% | 2.55% | 8.61% | 12.12% | 14.42% | +2,466 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 | 0.03% | 0.07% | 0.07% | -0.01% | 0.00% | 0.00% | 0.00% | 0.02% | +3 bps | |
| Allowance / Loans | 1.13% | 1.15% | 1.26% | 0.02% | 0.16% | 0.28% | 0.45% | 0.41% | +39 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 | 24.61% | 24.24% | 26.37% | 15.24% | 18.80% | 16.07% | 18.07% | 14.73% | -51 bps | |
| Equity / Assets | 12.20% | 12.65% | 13.71% | 11.00% | 10.43% | 9.24% | 9.87% | 8.76% | -223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.42% | 42.89% | 43.80% | 50.57% | 33.99% | 32.52% | 30.98% | 38.27% | -1,229 bps | |
| Liquid Assets / Assets | 9.76% | 9.94% | 9.91% | 8.22% | 7.63% | 6.86% | 6.50% | 5.13% | -309 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |