New Ulm, MN · Cert 1932
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.67% | 2.94% | 3.19% | 3.25% | 2.94% | 2.91% | 2.93% | 2.52% | -73 bps | |
| Return on Equity | 25.75% | 28.29% | 31.18% | 30.59% | 26.06% | 25.35% | 25.86% | 22.45% | -814 bps | |
| Net Interest Margin | 4.93% | 5.03% | 5.26% | 5.20% | 5.26% | 5.41% | 5.44% | 5.18% | -1 bps | |
| Efficiency Ratio | 44.19% | 41.26% | 41.14% | 39.34% | 42.83% | 44.98% | 45.23% | 46.71% | +737 bps | |
| Non-Interest Burden | 1.89% | 1.77% | 1.83% | 1.67% | 1.99% | 2.17% | 2.22% | 2.38% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.14% | 4.25% | 3.25% | -0.28% | -0.56% | 1.22% | 2.54% | 6.68% | +696 bps | |
| Loan Growth (YoY) | 4.91% | 1.54% | 4.64% | -0.40% | 3.99% | 4.71% | 4.80% | 5.87% | +627 bps | |
| Deposit Growth (YoY) | 10.04% | 5.84% | -0.02% | -1.36% | -2.39% | -3.83% | 2.73% | 3.73% | +509 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 | 0.03% | 0.46% | 0.08% | 0.06% | 0.01% | -0.02% | 0.01% | 0.09% | +3 bps | |
| Allowance / Loans | 1.50% | 1.44% | 1.47% | 1.57% | 1.64% | 1.68% | 1.71% | 1.79% | +22 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 | 12.59% | 11.62% | 11.73% | 12.48% | 12.96% | 12.31% | 12.49% | 12.52% | +4 bps | |
| Equity / Assets | 10.69% | 10.09% | 10.39% | 10.86% | 11.68% | 11.25% | 11.38% | 11.05% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.88% | 97.06% | 102.69% | 97.58% | 102.15% | 105.68% | 104.76% | 99.60% | +202 bps | |
| Liquid Assets / Assets | 0.52% | 0.50% | 0.48% | 0.49% | 0.49% | 0.60% | 0.44% | 0.42% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |