Jasper, MN · Cert 10563
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Jasper, MN · Cert 10563
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 1.35% | 1.14% | 2.11% | 0.43% | 4.26% | 4.43% | 3.62% | +151 bps | |
| Return on Equity | 6.69% | 13.62% | 11.19% | 20.18% | 3.66% | 34.25% | 33.78% | 26.89% | +672 bps | |
| Net Interest Margin | 3.69% | 4.46% | 4.76% | 4.57% | 3.97% | 4.06% | 4.20% | 4.06% | -50 bps | |
| Efficiency Ratio | 86.47% | 75.88% | 79.78% | 88.11% | 87.62% | 48.31% | 55.11% | 58.36% | -2,974 bps | |
| Non-Interest Burden | 3.08% | 3.16% | 3.60% | 3.93% | 3.38% | -0.31% | 0.86% | 1.32% | -261 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.94% | -10.66% | -9.42% | -4.75% | -3.61% | 0.70% | 1.61% | 2.26% | +701 bps | |
| Loan Growth (YoY) | -16.79% | -14.28% | -15.48% | -13.43% | -13.44% | -13.68% | -8.28% | -6.72% | +671 bps | |
| Deposit Growth (YoY) | -14.60% | -11.97% | -10.82% | -6.50% | -4.34% | -1.87% | -1.99% | 0.27% | +677 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 | -1.36% | 0.11% | 0.72% | 0.30% | 0.19% | -0.07% | -0.40% | -0.38% | -68 bps | |
| Allowance / Loans | 7.01% | 6.39% | 6.31% | 4.68% | 5.00% | 4.92% | 3.83% | 4.00% | -68 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 | 13.76% | 14.27% | 15.15% | 16.62% | 17.56% | 19.97% | 21.19% | 21.75% | +513 bps | |
| Equity / Assets | 9.60% | 10.75% | 11.07% | 11.67% | 11.66% | 14.01% | 15.19% | 14.89% | +321 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.84% | 93.43% | 89.25% | 82.94% | 75.87% | 82.18% | 83.52% | 77.15% | -579 bps | |
| Liquid Assets / Assets | 0.05% | 0.12% | 0.04% | 0.05% | 0.04% | 0.05% | 0.05% | 4.08% | +403 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |