Murdock, MN · Cert 9734
FDIC
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, 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.
Murdock, MN · Cert 9734
FDIC
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.00% | -0.13% | -0.29% | -0.08% | 0.04% | -0.49% | 0.04% | +33 bps | |
| Return on Equity | -0.46% | 0.00% | -1.37% | -3.20% | -0.91% | 0.46% | -5.43% | 0.40% | +360 bps | |
| Net Interest Margin | 3.86% | 3.71% | 3.52% | 3.19% | 3.48% | 3.67% | 0.28% | 2.62% | -57 bps | |
| Efficiency Ratio | 102.25% | 100.00% | 101.42% | 110.87% | 102.53% | 97.44% | 68.57% | 98.88% | -1,199 bps | |
| Non-Interest Burden | 3.97% | 3.71% | 3.58% | 3.59% | 3.59% | 3.55% | 0.17% | 2.58% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.02% | 14.68% | 10.81% | 5.22% | 2.87% | 9.83% | 11.92% | 14.14% | +892 bps | |
| Loan Growth (YoY) | -5.67% | -11.85% | -12.59% | -13.95% | -5.26% | 8.59% | 8.02% | 2.25% | +1,620 bps | |
| Deposit Growth (YoY) | 9.29% | 15.83% | 12.38% | 5.71% | 3.42% | 10.93% | 11.72% | 14.17% | +846 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 | 0.45% | 0.30% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.96% | 1.05% | 1.10% | 1.11% | 1.09% | 1.08% | 1.18% | 1.39% | +28 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 | 16.42% | 16.19% | 16.13% | 16.64% | 16.07% | 14.79% | 15.74% | 15.87% | -76 bps | |
| Equity / Assets | 9.40% | 9.10% | 9.19% | 8.97% | 9.06% | 8.29% | 9.41% | 9.02% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.96% | 54.87% | 54.81% | 47.73% | 53.09% | 53.71% | 52.99% | 42.74% | -499 bps | |
| Liquid Assets / Assets | 5.86% | 5.20% | 5.55% | 1.03% | 2.07% | 1.87% | 1.88% | 1.80% | +77 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |