Argyle, MN · Cert 15392
FDIC
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Argyle, MN · Cert 15392
FDIC
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.60% | 0.48% | 0.54% | 0.79% | 0.75% | 1.26% | 1.50% | +96 bps | |
| Return on Equity | 4.38% | 5.79% | 4.48% | 5.03% | 7.29% | 7.15% | 12.79% | 15.05% | +1,002 bps | |
| Net Interest Margin | 2.08% | 2.37% | 3.82% | 3.92% | 3.86% | 3.71% | 4.13% | 4.24% | +32 bps | |
| Efficiency Ratio | 72.37% | 71.94% | 76.68% | 75.82% | 70.86% | 71.76% | 67.67% | 62.90% | -1,292 bps | |
| Non-Interest Burden | 1.43% | 1.63% | 2.84% | 2.87% | 2.59% | 2.55% | 2.65% | 2.49% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.74% | 15.42% | 15.88% | 14.27% | 9.49% | 14.81% | 8.05% | 6.64% | -762 bps | |
| Loan Growth (YoY) | 31.29% | 32.53% | 31.31% | 20.62% | 9.34% | 9.42% | 20.47% | 14.88% | -574 bps | |
| Deposit Growth (YoY) | 8.49% | 11.76% | 7.64% | 12.78% | 11.41% | 15.89% | 8.78% | 11.01% | -176 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 | 0.09% | 0.06% | 0.00% | 0.00% | -0.01% | 0.31% | -0.12% | -0.10% | -10 bps | |
| Allowance / Loans | 1.71% | 1.98% | 2.10% | 1.98% | 2.13% | 2.18% | 1.98% | 1.87% | -11 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 | 15.16% | 16.09% | 16.35% | 14.92% | 15.03% | 15.54% | 14.04% | 13.82% | -110 bps | |
| Equity / Assets | 12.01% | 10.56% | 11.00% | 10.95% | 10.88% | 9.29% | 10.52% | 10.30% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.45% | 62.56% | 76.30% | 87.95% | 87.79% | 59.06% | 84.50% | 91.01% | +306 bps | |
| Liquid Assets / Assets | 3.63% | 3.17% | 3.34% | 2.02% | 1.92% | 1.20% | 1.24% | 1.18% | -84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |