Hampton, MN · Cert 1919
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.19% | 1.53% | 0.63% | 0.68% | 0.57% | 0.38% | 0.38% | -0.92% | -159 bps | |
| Return on Equity | 8.53% | 11.11% | 4.63% | 4.90% | 4.32% | 3.00% | 2.96% | -7.01% | -1,192 bps | |
| Net Interest Margin | 4.37% | 5.00% | 3.89% | 4.34% | 4.25% | 3.74% | 3.71% | 3.54% | -80 bps | |
| Efficiency Ratio | 65.45% | 62.32% | 80.23% | 76.58% | 81.20% | 82.24% | 84.62% | 89.96% | +1,338 bps | |
| Non-Interest Burden | 2.40% | 2.64% | 2.90% | 3.01% | 3.24% | 2.89% | 3.00% | 3.09% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.72% | 5.86% | 0.74% | -5.65% | 4.46% | 10.30% | 9.83% | 7.81% | +1,345 bps | |
| Loan Growth (YoY) | -4.64% | -1.85% | -3.26% | -0.82% | 4.60% | 10.63% | 21.62% | 9.06% | +988 bps | |
| Deposit Growth (YoY) | 14.19% | 8.78% | -4.88% | -11.19% | 1.94% | 12.91% | 18.41% | 19.91% | +3,109 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 | 0.06% | 0.89% | 0.16% | 0.02% | 0.17% | 0.48% | -0.17% | 2.65% | +263 bps | |
| Allowance / Loans | 1.54% | 1.26% | 1.22% | 1.32% | 1.30% | 1.18% | 1.20% | 1.44% | +12 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 | 16.07% | 14.06% | 14.49% | 14.16% | 13.87% | 13.17% | 13.06% | 12.98% | -118 bps | |
| Equity / Assets | 14.06% | 13.40% | 13.94% | 13.74% | 12.69% | 12.69% | 13.25% | 12.88% | -86 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.92% | 78.98% | 86.81% | 87.94% | 76.88% | 77.39% | 89.16% | 79.99% | -796 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.00% | 0.01% | 0.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |