Northome, MN · Cert 14625
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 0.89% | 0.92% | 1.86% | 1.68% | 2.13% | 1.67% | 1.29% | -57 bps | |
| Return on Equity | 15.94% | 12.82% | 12.85% | 24.18% | 21.11% | 26.70% | 20.46% | 16.49% | -769 bps | |
| Net Interest Margin | 4.81% | 4.56% | 4.67% | 4.93% | 5.02% | 4.95% | 4.66% | 4.51% | -41 bps | |
| Efficiency Ratio | 75.17% | 79.09% | 79.37% | 64.97% | 66.62% | 57.42% | 67.92% | 75.41% | +1,044 bps | |
| Non-Interest Burden | 3.55% | 3.54% | 3.64% | 2.97% | 3.22% | 2.67% | 3.07% | 3.30% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.17% | 10.56% | 7.03% | 8.73% | 7.67% | 9.40% | 10.17% | 5.81% | -292 bps | |
| Loan Growth (YoY) | 8.05% | 11.43% | 15.15% | 17.99% | 23.50% | 22.84% | 18.41% | 7.54% | -1,045 bps | |
| Deposit Growth (YoY) | 11.42% | 10.94% | 7.06% | 5.38% | 4.26% | 5.88% | 6.98% | 9.08% | +371 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 | -0.02% | 0.02% | -0.02% | -0.05% | -0.03% | 0.05% | -0.02% | 0.08% | +13 bps | |
| Allowance / Loans | 1.02% | 1.02% | 1.02% | 0.98% | 0.96% | 0.97% | 0.98% | 0.98% | -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 | 10.41% | 10.58% | 10.46% | 11.45% | 11.09% | 11.38% | 11.41% | 10.80% | -65 bps | |
| Equity / Assets | 6.79% | 7.15% | 7.21% | 8.14% | 7.79% | 8.18% | 8.11% | 7.55% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.62% | 85.16% | 87.30% | 95.42% | 95.50% | 98.80% | 96.63% | 94.08% | -135 bps | |
| Liquid Assets / Assets | 2.89% | 2.76% | 2.28% | 1.77% | 1.65% | 1.63% | 1.43% | 1.42% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |