Mankato, MN · Cert 13182
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Mankato, MN · Cert 13182
FDIC
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | -0.16% | 0.11%1 | 0.33% | 0.22% | 0.86% | 0.91% | 0.77% | +44 bps | |
| Return on Equity | 10.88% | -1.97% | 1.32% | 4.00% | 2.69% | 11.30% | 12.04% | 10.05% | +605 bps | |
| Net Interest Margin | 3.39% | 3.10% | 3.10% | 3.07% | 3.15% | 3.30% | 3.27% | 3.27% | +19 bps | |
| Efficiency Ratio | 59.79% | 68.55% | 64.23% | 65.39% | 65.31% | 65.12% | 64.31% | 69.01% | +362 bps | |
| Non-Interest Burden | 1.62% | 1.89% | 1.68% | 1.72% | 1.77% | 1.90% | 1.83% | 2.09% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | -4.94% | -4.51% | -2.52% | -5.65% | 1.96% | 5.54% | 4.18% | +670 bps | |
| Loan Growth (YoY) | 4.28% | -4.24% | -6.87% | -12.42% | -16.03% | -8.22% | -7.86% | -13.60% | -118 bps | |
| Deposit Growth (YoY) | 5.24% | -5.61% | -4.80% | -2.52% | -6.05% | 2.88% | 7.28% | 5.34% | +786 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 | 0.46% | 1.43% | 1.53% | 1.12% | 2.69% | -0.05% | 0.19% | 0.27% | -85 bps | |
| Allowance / Loans | 1.58% | 1.97% | 2.00% | 2.13% | 1.21% | 1.23% | 1.12% | 1.17% | -97 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 | 10.94% | 11.16% | 10.89% | 11.24% | 10.95% | 10.57% | 10.97% | 12.04% | +79 bps | |
| Equity / Assets | 7.99% | 8.38% | 8.10% | 8.25% | 7.73% | 7.46% | 7.56% | 7.71% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.73% | 85.38% | 85.65% | 81.27% | 74.84% | 76.17% | 73.57% | 66.66% | -1,461 bps | |
| Liquid Assets / Assets | 0.00% | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |