Silver Lake, MN · Cert 8543
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.
Silver Lake, MN · Cert 8543
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 | 1.02% | 1.53% | 1.30% | 1.08%1 | 3.69%1 | 2.93%1 | 2.32% | 1.72% | +63 bps | |
| Return on Equity | 12.78% | 18.36% | 14.77% | 11.89% | 35.95% | 28.50% | 22.38% | 16.67% | +478 bps | |
| Net Interest Margin | 3.38% | 3.24% | 3.16% | 3.07% | 2.75% | 2.80% | 2.78% | 2.72% | -35 bps | |
| Efficiency Ratio | 73.08% | 71.67% | 78.35% | 82.44% | 71.11% | 69.55% | 70.17% | 75.52% | -692 bps | |
| Non-Interest Burden | 2.44% | 2.29% | 2.45% | 2.51% | 1.93% | 1.91% | 1.91% | 2.03% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.65% | 3.77% | 2.56% | 4.83% | -1.91% | 0.78% | 0.39% | 3.98% | -85 bps | |
| Loan Growth (YoY) | -12.73% | -5.87% | -1.88% | -1.01% | -1.67% | -1.70% | -1.38% | 1.98% | +299 bps | |
| Deposit Growth (YoY) | -5.83% | 0.41% | 3.19% | 7.32% | 2.39% | 2.81% | -0.11% | 1.71% | -562 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 | 0.00% | 0.60% | 0.86% | 0.82% | 0.00% | 0.00% | 0.00% | 0.00% | -82 bps | |
| Allowance / Loans | 1.61% | 1.42% | 1.18% | 1.64% | 1.60% | 1.52% | 1.53% | 1.82% | +18 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 | 15.31% | 15.87% | 16.19% | 17.57% | 18.43% | 20.04% | 19.91% | 20.26% | +268 bps | |
| Equity / Assets | 7.77% | 8.98% | 10.14% | 10.44% | 10.08% | 10.27% | 10.63% | 10.14% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 45.84% | 47.25% | 47.34% | 42.23% | 44.02% | 45.18% | 46.75% | 42.34% | +11 bps | |
| Liquid Assets / Assets | 0.33% | 0.33% | 0.40% | 0.40% | 7.77% | 17.53% | 12.56% | 15.83% | +1,543 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |