Lonsdale, MN · Cert 1921
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.75% | 1.56% | 1.52% | 1.58% | 1.55% | 1.62% | 1.57% | +5 bps | |
| Return on Equity | 18.04% | 17.16% | 15.94% | 15.49% | 15.90% | 15.86% | 16.71% | 16.16% | +67 bps | |
| Net Interest Margin | 4.74% | 4.48% | 4.36% | 4.24% | 4.15% | 4.09% | 4.19% | 4.33% | +10 bps | |
| Efficiency Ratio | 44.91% | 47.95% | 48.94% | 48.03% | 46.24% | 48.53% | 48.11% | 47.05% | -98 bps | |
| Non-Interest Burden | 1.79% | 1.79% | 1.78% | 1.71% | 1.56% | 1.57% | 1.50% | 1.67% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.37% | 3.44% | 7.30% | 4.79% | 4.32% | 4.22% | 0.10% | 3.32% | -147 bps | |
| Loan Growth (YoY) | 21.88% | 4.28% | 2.53% | -3.67% | -4.24% | 9.07% | 6.47% | 13.76% | +1,743 bps | |
| Deposit Growth (YoY) | 2.85% | 3.38% | 7.94% | 5.87% | 5.55% | 4.68% | 0.58% | 3.75% | -212 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 | 0.05% | 0.00% | 0.05% | 0.07% | 0.19% | -0.01% | 0.03% | 0.01% | -6 bps | |
| Allowance / Loans | 0.91% | 1.08% | 1.02% | 1.05% | 0.96% | 0.99% | 1.00% | 1.01% | -4 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 | 12.02% | 11.62% | 11.94% | 12.60% | 12.13% | 11.31% | 11.72% | 11.56% | -104 bps | |
| Equity / Assets | 10.63% | 9.76% | 9.83% | 9.85% | 9.98% | 9.61% | 9.74% | 9.71% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.29% | 67.91% | 68.86% | 64.54% | 67.40% | 70.75% | 72.89% | 70.77% | +623 bps | |
| Liquid Assets / Assets | 0.00% | 0.75% | 0.72% | 0.70% | 0.69% | 0.72% | 0.72% | 0.00% | -70 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |