Bricelyn, MN · Cert 8847
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.
Bricelyn, MN · Cert 8847
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 | 1.04% | 1.16% | 1.01% | 1.48% | 1.54% | 1.58% | 1.45% | 1.48% | -1 bps | |
| Return on Equity | 8.89% | 9.80% | 8.60% | 13.01% | 13.24% | 13.54% | 12.51% | 13.17% | +16 bps | |
| Net Interest Margin | 3.92% | 3.98% | 3.99% | 4.09% | 4.22% | 4.11% | 4.12% | 3.69% | -40 bps | |
| Efficiency Ratio | 73.36% | 70.67% | 73.24% | 64.75% | 63.85% | 62.68% | 65.90% | 63.92% | -83 bps | |
| Non-Interest Burden | 2.78% | 2.71% | 2.82% | 2.51% | 2.57% | 2.46% | 2.61% | 2.24% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.31% | 4.76% | 4.81% | 3.03% | 1.38% | 9.27% | 6.53% | 13.17% | +1,014 bps | |
| Loan Growth (YoY) | 4.37% | 8.91% | 9.52% | 3.45% | 7.51% | 6.61% | 7.82% | 4.55% | +110 bps | |
| Deposit Growth (YoY) | 8.64% | 5.49% | 1.84% | 3.46% | 1.16% | 10.14% | 8.14% | 14.09% | +1,063 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% | 0.21% | 0.20% | 0.02% | 0.02% | 0.07% | 0.07% | 0.00% | -2 bps | |
| Allowance / Loans | 1.02% | 0.87% | 0.83% | 0.93% | 0.94% | 0.91% | 0.83% | 0.92% | -1 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 | 16.47% | 16.81% | 14.27% | 16.08% | 16.24% | 16.30% | 14.79% | 16.32% | +25 bps | |
| Equity / Assets | 11.67% | 12.37% | 11.27% | 11.53% | 11.99% | 11.89% | 11.42% | 11.01% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.62% | 95.10% | 103.16% | 91.46% | 94.19% | 92.05% | 102.86% | 83.81% | -764 bps | |
| Liquid Assets / Assets | 1.14% | 1.17% | 1.06% | 0.88% | 0.88% | 0.84% | 0.83% | 0.56% | -32 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |