Maple Lake, MN · Cert 1924
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.97% | 1.86% | 2.13% | 0.02% | 0.47% | 1.09% | 1.40% | 1.21% | +119 bps | |
| Return on Equity | 20.99% | 19.09% | 21.16% | 0.24% | 2.87% | 4.71% | 5.81% | 4.99% | +476 bps | |
| Net Interest Margin | 4.27% | 4.34% | 4.54% | 4.07% | 1.24% | 3.25% | 3.32% | 3.39% | -68 bps | |
| Efficiency Ratio | 59.77% | 62.59% | 58.31% | 98.12% | 62.70% | 66.45% | 55.58% | 57.69% | -4,043 bps | |
| Non-Interest Burden | 2.25% | 2.40% | 2.32% | 3.98% | 0.70% | 1.96% | 1.56% | 1.64% | -234 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.03% | -0.47% | -2.51% | -0.61% | 16.56% | 18.61% | 13.31% | 13.16% | +1,377 bps | |
| Loan Growth (YoY) | -3.34% | -2.97% | -1.45% | -1.77% | -2.51% | -3.58% | -0.93% | 2.19% | +396 bps | |
| Deposit Growth (YoY) | 3.63% | 1.37% | -1.18% | 1.44% | 3.61% | 5.67% | -2.47% | -2.52% | -396 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 | 0.00% | 0.01% | 0.00% | 0.00% | 0.13% | 0.00% | 0.00% | 1.74% | +174 bps | |
| Allowance / Loans | 1.13% | 1.11% | 1.16% | 1.23% | 1.26% | 1.30% | 1.45% | 1.22% | -1 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 | 14.08% | 13.93% | 14.52% | 13.94% | 15.76% | 14.91% | 15.44% | 15.23% | +129 bps | |
| Equity / Assets | 9.64% | 9.83% | 10.30% | 9.31% | 23.02% | 23.48% | 24.70% | 23.91% | +1,460 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.86% | 90.19% | 86.27% | 79.16% | 80.79% | 82.30% | 87.63% | 82.98% | +383 bps | |
| Liquid Assets / Assets | 0.37% | 0.37% | 0.34% | 0.30% | 0.27% | 0.27% | 0.28% | 0.25% | -5 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |