Olivia, MN · Cert 20712
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Olivia, MN · Cert 20712
FDIC
Q3 2005
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.09% | 0.74% | 0.89% | 0.94% | 1.09% | 0.77% | 0.20% | -69 bps | |
| Return on Equity | 13.70% | 11.98% | 7.98% | 9.67% | 10.37% | 12.16% | 8.36% | 2.17% | -750 bps | |
| Net Interest Margin | 4.15% | 4.37% | 4.18% | 4.20% | 4.01% | 4.28% | 4.25% | 4.16% | -3 bps | |
| Efficiency Ratio | 57.62% | 54.67% | 50.22% | 49.60% | 49.74% | 54.57% | 51.86% | 52.00% | +240 bps | |
| Non-Interest Burden | 2.28% | 2.35% | 2.05% | 2.03% | 1.95% | 2.30% | 2.16% | 2.12% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.55% | 30.15% | 32.20% | 29.69% | 31.52% | 14.44% | 17.39% | 9.22% | -2,047 bps | |
| Loan Growth (YoY) | 33.00% | 45.49% | 36.57% | 31.12% | 30.96% | 17.52% | 14.15% | 10.11% | -2,101 bps | |
| Deposit Growth (YoY) | 21.59% | 29.58% | 32.05% | 31.00% | 33.07% | 15.97% | 18.23% | 2.44% | -2,855 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 | 0.07% | -0.01% | 0.44% | 0.28% | 0.29% | 0.02% | 0.03% | 0.10% | -18 bps | |
| Allowance / Loans | 1.43% | 1.34% | 1.49% | 1.49% | 1.48% | 1.51% | 1.84% | 1.82% | +33 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 | 10.59% | 12.04% | 11.49% | 10.89% | 11.23% | 11.25% | 11.17% | 10.73% | -17 bps | |
| Equity / Assets | 8.43% | 9.75% | 9.51% | 9.10% | 8.71% | 9.22% | 9.60% | 9.33% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.49% | 104.29% | 107.71% | 106.46% | 99.88% | 105.68% | 103.99% | 114.43% | +797 bps | |
| Liquid Assets / Assets | 3.32% | 3.38% | 3.25% | 3.01% | 2.52% | 2.14% | 1.78% | 1.47% | -153 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |