Sebeka, MN · Cert 16764
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Sebeka, MN · Cert 16764
FDIC
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.92% | 0.96% | 0.36% | 2.29% | 1.88% | 0.20% | 0.37% | 0 bps | |
| Return on Equity | 9.69% | 10.25% | 10.68% | 4.05% | 25.09% | 20.28% | 1.87% | 3.12% | -92 bps | |
| Net Interest Margin | 3.26% | 3.36% | 3.41% | 3.41% | 4.34% | 4.04% | 0.91% | 1.52% | -189 bps | |
| Efficiency Ratio | 74.46% | 73.39% | 70.18% | 79.34% | 55.07% | 64.68% | 63.19% | 67.87% | -1,147 bps | |
| Non-Interest Burden | 2.30% | 2.34% | 2.20% | 2.57% | 2.19% | 2.47% | 0.62% | 1.10% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | 2.36% | -2.53% | -5.11% | -5.56% | -2.53% | 2.59% | 1.69% | +681 bps | |
| Loan Growth (YoY) | 0.53% | 6.82% | 0.27% | -0.63% | 0.23% | -4.10% | -2.91% | -9.24% | -862 bps | |
| Deposit Growth (YoY) | 6.42% | 3.57% | -2.61% | -5.01% | -5.22% | -3.38% | -4.62% | -5.01% | 0 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 | 0.00% | 0.00% | 0.00% | 0.26% | -3.54% | -2.35% | -1.67% | -0.37% | -63 bps | |
| Allowance / Loans | 1.28% | 1.29% | 1.67% | 1.94% | 2.81% | 2.83% | 3.27% | 2.65% | +72 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 | 18.64% | 19.09% | 19.55% | 18.50% | 19.81% | 19.91% | 17.81% | 19.48% | +98 bps | |
| Equity / Assets | 9.20% | 8.77% | 9.18% | 8.87% | 9.41% | 9.53% | 15.51% | 15.01% | +614 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.53% | 59.81% | 57.63% | 59.28% | 60.85% | 59.37% | 58.66% | 56.64% | -264 bps | |
| Liquid Assets / Assets | 9.89% | 10.08% | 10.25% | 10.47% | 10.20% | 9.80% | 11.64% | 1.62% | -885 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |