Northome, MN · Cert 14625
FDIC
Q2 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.25% | 0.92% | 1.39% | 1.49% | 1.66% | 1.67% | 1.48% | +9 bps | |
| Return on Equity | 19.05% | 17.43% | 12.85% | 18.55% | 19.60% | 21.54% | 20.46% | 18.67% | +12 bps | |
| Net Interest Margin | 4.75% | 4.59% | 4.67% | 4.75% | 4.70% | 4.64% | 4.66% | 4.58% | -16 bps | |
| Efficiency Ratio | 71.62% | 73.48% | 79.37% | 71.68% | 69.91% | 66.60% | 67.92% | 71.67% | -2 bps | |
| Non-Interest Burden | 3.31% | 3.29% | 3.64% | 3.27% | 3.16% | 2.95% | 3.07% | 3.18% | -9 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 | 0.13% | 0.10% | -0.02% | -0.03% | -0.03% | -0.01% | -0.02% | 0.03% | +6 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 |