Montgomery, MN · Cert 18705
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.68% | 0.71% | -0.08% | -0.88% | 9.32% | +865 bps | |
| Return on Equity | 5.91% | 6.24% | -0.67% | -7.27% | 49.33% | +4,342 bps | |
| Net Interest Margin | 3.40% | 3.38% | 3.38% | 3.26% | 0.43% | -297 bps | |
| Efficiency Ratio | 78.79% | 75.08% | 91.31% | 105.60% | -2.99% | -8,178 bps | |
| Non-Interest Burden | 2.55% | 2.44% | 3.04% | 3.47% | -7.59% | -1,014 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.67% | 0.83% | -3.95% | -5.11% | 4.35% | -332 bps | |
| Loan Growth (YoY) | -0.80% | -4.12% | -4.94% | -6.49% | -14.11% | -1,331 bps | |
| Deposit Growth (YoY) | 7.27% | 0.14% | -5.07% | -5.96% | -11.16% | -1,842 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.40% | 0.19% | 0.53% | 1.39% | 0.20% | -220 bps | |
| Allowance / Loans | 0.90% | 0.94% | 0.99% | 0.91% | 1.79% | +89 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 17.59% | 18.11% | 18.35% | 18.65% | 23.30% | +572 bps | |
| Equity / Assets | 11.29% | 11.48% | 11.79% | 12.33% | 24.68% | +1,339 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.81% | 78.80% | 80.04% | 82.22% | 77.16% | -265 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 3.04% | +304 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |