Beardsley, MN · Cert 8219
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 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.
Beardsley, MN · Cert 8219
FDIC
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.82% | 1.85% | 2.02% | 1.77% | 2.22% | 2.25% | 2.21% | 2.14% | +37 bps | |
| Return on Equity | 22.30% | 22.31% | 24.09% | 21.01% | 26.11% | 26.30% | 25.91% | 25.23% | +421 bps | |
| Net Interest Margin | 3.86% | 4.04% | 4.06% | 3.99% | 4.01% | 4.19% | 3.98% | 4.02% | +2 bps | |
| Efficiency Ratio | 56.68% | 52.28% | 51.47% | 56.38% | 49.36% | 48.73% | 49.05% | 50.29% | -609 bps | |
| Non-Interest Burden | 2.10% | 2.01% | 1.99% | 2.16% | 1.84% | 1.92% | 1.84% | 1.90% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.99% | 8.45% | 13.65% | 11.77% | 8.18% | 7.92% | 10.54% | 15.81% | +404 bps | |
| Loan Growth (YoY) | 0.83% | 2.36% | 7.82% | 8.46% | 5.61% | 1.67% | 1.97% | 4.97% | -350 bps | |
| Deposit Growth (YoY) | 6.95% | 8.29% | 13.85% | 11.47% | 7.72% | 7.68% | 10.69% | 16.23% | +476 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 | -0.02% | 0.65% | 0.43% | 0.37% | -0.23% | -0.09% | 0.01% | 0.03% | -33 bps | |
| Allowance / Loans | 1.10% | 0.91% | 0.92% | 0.86% | 0.99% | 0.97% | 0.92% | 0.80% | -6 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 | 11.93% | 11.55% | 11.77% | 11.17% | 11.84% | 12.07% | 12.17% | 11.31% | +13 bps | |
| Equity / Assets | 8.08% | 8.50% | 8.63% | 8.54% | 8.49% | 8.66% | 8.45% | 8.24% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 68.00% | 71.14% | 68.04% | 70.85% | 66.66% | 67.16% | 62.68% | 63.99% | -687 bps | |
| Liquid Assets / Assets | 10.49% | 8.09% | 7.03% | 6.81% | 10.94% | 8.07% | 14.79% | 12.46% | +565 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |