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Oakley National Bank of Buffalo, The

Buffalo, MN · Cert 14948

FDIC

Q1 2005

$161.7MAssets
$117.8MLoans
$120.4MDeposits
$16.3MEquity
Loan mix
80%RE $45.9M20%C&I $11.4M0%Consumer $0.3MQ1 2004Q1 2005
Deposit mix
83%Interest-bearing $100.1M17%Noninterest $20.3MQ1 2004Q1 2005

NIM

5.14%Q1 ’034.65%Q1 ’045.08%Q1 ’05+1%+3%

Non-interest income vs. expense

3.17%Q1 ’033.10%Q1 ’042.46%Q1 ’05+8%-32%

Executive Summary

  • Earnings: ROA of 2.38%, up 92 bps year over year; NIM at 3.73%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 97.84% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

2.38%+92 bps YoY

Net Interest Margin (quarter, annualized)

3.73%+11 bps YoY

Efficiency Ratio (quarter, annualized)

50.41%-1,438 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets1.46%1.63%1.98%2.12%2.38%+92 bps
Return on Equity15.45%17.52%21.98%22.72%24.34%+890 bps
Net Interest Margin3.62%3.45%3.65%3.67%3.73%+11 bps
Efficiency Ratio64.79%59.05%53.26%54.63%50.41%-1,438 bps
Non-Interest Burden1.94%1.57%1.26%1.39%1.31%-63 bps
Growth
Asset Growth (YoY)3.48%7.56%7.45%4.07%4.99%+151 bps
Loan Growth (YoY)3.45%13.56%17.99%21.06%22.62%+1,917 bps
Deposit Growth (YoY)3.28%8.84%-2.11%-0.69%-12.16%-1,544 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.92%-0.01%-0.01%-1 bps
Allowance / Loans1.52%1.47%1.30%1.30%1.33%-19 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.98%13.00%12.70%12.37%13.40%-57 bps
Equity / Assets9.77%8.84%9.22%9.48%10.07%+30 bps
Liquidity & Funding
Loans / Deposits70.09%73.29%85.60%89.06%97.84%+2,775 bps
Liquid Assets / Assets3.45%0.33%0.11%0.01%0.01%-344 bps
CRE / Total Capitaln/an/an/an/an/an/an/a