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Hampton Bank

Hampton, MN · Cert 1919

FDIC

Q2 2007

$105.0MAssets
$69.4MLoans
$86.8MDeposits
$13.5MEquity
Loan mix
63%RE $32.0M36%C&I $18.6M1%Consumer $0.6MQ2 2006Q2 2007
Deposit mix
81%Interest-bearing $70.4M19%Noninterest $16.4MQ2 2006Q2 2007

NIM

5.34%Q2 ’055.99%Q2 ’066.13%Q2 ’07+3%-18%

Non-interest income vs. expense

4.26%Q2 ’054.32%Q2 ’064.05%Q2 ’07-3%+2%

Executive Summary

  • Earnings: ROA of -0.92%, down 159 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.65%.
  • Funding: loans stand at 79.99% of deposits as of Q2 2007.

Financial Results

Return on Assets (quarter, annualized)

-0.92%-159 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-80 bps YoY

Efficiency Ratio (quarter, annualized)

89.96%+1,338 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.68%0.57%0.38%0.38%-0.92%-159 bps
Return on Equity4.90%4.32%3.00%2.96%-7.01%-1,192 bps
Net Interest Margin4.34%4.25%3.74%3.71%3.54%-80 bps
Efficiency Ratio76.58%81.20%82.24%84.62%89.96%+1,338 bps
Non-Interest Burden3.01%3.24%2.89%3.00%3.09%+7 bps
Growth
Asset Growth (YoY)-5.65%4.46%10.30%9.83%7.81%+1,345 bps
Loan Growth (YoY)-0.82%4.60%10.63%21.62%9.06%+988 bps
Deposit Growth (YoY)-11.19%1.94%12.91%18.41%19.91%+3,109 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.17%0.48%-0.17%2.65%+263 bps
Allowance / Loans1.32%1.30%1.18%1.20%1.44%+12 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 Capital14.16%13.87%13.17%13.06%12.98%-118 bps
Equity / Assets13.74%12.69%12.69%13.25%12.88%-86 bps
Liquidity & Funding
Loans / Deposits87.94%76.88%77.39%89.16%79.99%-796 bps
Liquid Assets / Assets0.02%0.01%0.00%0.01%0.00%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a