Hampton, MN · Cert 1919
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 1.09% | 0.63% | 0.65% | 0.62% | 0.56% | 0.38% | -0.26% | -91 bps | |
| Return on Equity | 6.56% | 7.74% | 4.63% | 4.77% | 4.61% | 4.20% | 2.96% | -2.00% | -677 bps | |
| Net Interest Margin | 4.21% | 4.44% | 3.89% | 4.15% | 4.11% | 3.78% | 3.71% | 3.61% | -53 bps | |
| Efficiency Ratio | 71.28% | 68.84% | 80.23% | 78.31% | 79.29% | 80.02% | 84.62% | 87.25% | +893 bps | |
| Non-Interest Burden | 2.63% | 2.65% | 2.90% | 2.98% | 3.01% | 2.81% | 3.00% | 3.03% | +5 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 | 0.11% | 0.30% | 0.16% | 0.09% | 0.11% | 0.20% | -0.17% | 1.23% | +114 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 |