Le Sueur, MN · Cert 8855
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.77% | 1.64% | 1.52% | 1.42% | 1.36% | -1.06% | 1.40% | -12 bps | |
| Return on Equity | 2.14% | 6.06% | 12.80% | 11.83% | 10.84% | 10.57% | -8.33% | 10.88% | -95 bps | |
| Net Interest Margin | 3.85% | 3.72% | 3.92% | 3.83% | 3.79% | 3.63% | 3.86% | 3.75% | -8 bps | |
| Efficiency Ratio | 69.50% | 78.67% | 65.12% | 66.28% | 66.39% | 68.09% | 67.37% | 66.94% | +66 bps | |
| Non-Interest Burden | 2.47% | 2.95% | 2.27% | 2.29% | 2.28% | 2.24% | 2.27% | 2.28% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | -5.48% | 1.80% | 2.47% | 2.37% | 9.03% | 0.43% | 1.92% | -55 bps | |
| Loan Growth (YoY) | -8.64% | -3.22% | 2.51% | 4.27% | 1.98% | 5.20% | 1.27% | 4.31% | +4 bps | |
| Deposit Growth (YoY) | 6.41% | -7.42% | -2.23% | -1.82% | 0.72% | 9.89% | 3.37% | 0.88% | +271 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 | 0.17% | -0.03% | -0.01% | -0.07% | 1.22% | -0.04% | 4.82% | 0.39% | +46 bps | |
| Allowance / Loans | 1.75% | 1.79% | 1.74% | 1.70% | 1.46% | 1.46% | 1.28% | 1.12% | -57 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 | 13.63% | 14.17% | 14.16% | 13.91% | 14.42% | 14.47% | 14.10% | 13.84% | -7 bps | |
| Equity / Assets | 12.68% | 12.75% | 12.86% | 12.86% | 13.26% | 12.41% | 13.08% | 12.68% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.37% | 75.24% | 79.59% | 80.34% | 77.33% | 72.03% | 77.97% | 83.06% | +273 bps | |
| Liquid Assets / Assets | 3.44% | 3.89% | 3.84% | 3.66% | 3.76% | 9.37% | 7.09% | 5.99% | +233 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |