Waterville, MN · Cert 15918
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.36% | 1.87% | 2.38% | 2.44% | 2.37% | 2.03% | 2.50% | +12 bps | |
| Return on Equity | 11.59% | 13.81% | 19.19% | 24.56% | 24.34% | 22.53% | 20.20% | 26.79% | +223 bps | |
| Net Interest Margin | 3.93% | 3.95% | 4.34% | 4.52% | 4.37% | 4.68% | 4.38% | 4.64% | +12 bps | |
| Efficiency Ratio | 66.06% | 58.19% | 57.09% | 54.08% | 53.31% | 54.29% | 61.22% | 54.07% | -1 bps | |
| Non-Interest Burden | 2.32% | 1.97% | 2.11% | 2.08% | 1.96% | 2.15% | 2.29% | 2.11% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.40% | -0.91% | -5.78% | -0.57% | -0.42% | -2.47% | 1.66% | -3.60% | -302 bps | |
| Loan Growth (YoY) | -4.60% | -4.50% | -4.85% | 4.76% | 16.99% | 14.22% | 4.15% | -3.80% | -856 bps | |
| Deposit Growth (YoY) | -3.45% | -0.45% | -5.34% | -1.03% | -0.75% | -3.33% | 2.02% | -3.32% | -229 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 | 0.03% | 0.23% | 0.00% | 0.00% | 0.00% | 0.06% | 0.03% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.14% | 1.09% | 1.04% | 0.98% | 1.03% | 1.08% | 1.13% | +9 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 | 13.72% | 13.92% | 12.97% | 13.91% | 14.44% | 15.58% | 13.18% | 14.14% | +23 bps | |
| Equity / Assets | 9.77% | 9.86% | 9.67% | 9.73% | 10.30% | 10.73% | 9.31% | 9.34% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.15% | 56.88% | 63.80% | 62.41% | 67.37% | 67.21% | 65.13% | 62.09% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 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 |