Cokato, MN · Cert 8185
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Cokato, MN · Cert 8185
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.68% | -1.75% | -1.72% | -1.67% | -0.98% | -0.61% | -0.66% | -2.68% | -101 bps | |
| Return on Equity | -43.29% | -28.53% | -28.92% | -32.29% | -18.83% | -11.73% | -12.74% | -58.76% | -2,647 bps | |
| Net Interest Margin | 3.53% | 3.39% | 3.19% | 2.98% | 3.06% | 3.19% | 3.04% | 2.58% | -40 bps | |
| Efficiency Ratio | 243% | 165.26% | 132.17% | 180.14% | 133.96% | 132.28% | 127.50% | 155.80% | -2,434 bps | |
| Non-Interest Burden | 5.85% | 4.92% | 4.18% | 4.67% | 4.07% | 4.19% | 3.94% | 4.50% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.41% | -10.86% | -1.88% | -4.37% | -7.33% | -6.56% | -6.54% | 0.88% | +525 bps | |
| Loan Growth (YoY) | -19.91% | -24.23% | -16.56% | -16.77% | -21.89% | -18.48% | -16.27% | -15.44% | +132 bps | |
| Deposit Growth (YoY) | 1.31% | -4.68% | 1.84% | -1.95% | -3.03% | -4.08% | -4.46% | 3.88% | +583 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 | -0.11% | 0.20% | 1.66% | 0.53% | 0.36% | 0.22% | 0.68% | 0.32% | -21 bps | |
| Allowance / Loans | 2.47% | 2.65% | 2.26% | 2.21% | 2.52% | 2.56% | 2.28% | 2.63% | +41 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 | 8.76% | 9.01% | 8.66% | 8.20% | 8.51% | 8.77% | 8.54% | 7.63% | -58 bps | |
| Equity / Assets | 5.95% | 5.94% | 5.28% | 5.07% | 5.26% | 5.30% | 5.00% | 4.16% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.74% | 77.73% | 69.94% | 69.36% | 65.84% | 66.06% | 61.30% | 56.46% | -1,290 bps | |
| Liquid Assets / Assets | 0.01% | 0.08% | 4.65% | 4.78% | 3.19% | 4.76% | 5.60% | 5.39% | +61 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |