Victoria, MN · Cert 22085
FDIC
Q1 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.30% | 1.43% | 1.23% | 1.34% | 1.35% | 1.60% | 1.95% | +72 bps | |
| Return on Equity | 13.75% | 13.61% | 14.96% | 12.70% | 14.53% | 14.99% | 17.82% | 22.17% | +946 bps | |
| Net Interest Margin | 3.73% | 3.55% | 3.53% | 3.65% | 3.70% | 3.35% | 3.55% | 3.76% | +11 bps | |
| Efficiency Ratio | 65.82% | 67.80% | 68.09% | 71.60% | 68.78% | 67.93% | 65.03% | 51.66% | -1,994 bps | |
| Non-Interest Burden | 2.12% | 2.12% | 2.13% | 2.40% | 2.30% | 2.04% | 2.06% | 1.65% | -75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.17% | 8.05% | 2.59% | 3.02% | 7.42% | 10.60% | 13.21% | 14.89% | +1,187 bps | |
| Loan Growth (YoY) | -6.73% | -9.64% | -12.15% | 2.58% | 14.66% | 20.33% | 24.41% | 18.61% | +1,602 bps | |
| Deposit Growth (YoY) | 10.09% | 10.39% | 2.90% | 3.20% | 8.70% | 11.59% | 9.91% | 11.60% | +840 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 | 0.75% | 0.48% | 0.37% | -0.15% | 0.03% | -0.05% | -0.23% | 0.26% | +41 bps | |
| Allowance / Loans | 1.72% | 1.76% | 1.54% | 1.39% | 1.26% | 1.34% | 1.37% | 1.26% | -13 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 | 14.14% | 14.40% | 14.44% | 13.84% | 14.06% | 13.77% | 14.93% | 14.35% | +52 bps | |
| Equity / Assets | 9.33% | 9.27% | 9.49% | 9.87% | 8.34% | 8.50% | 8.85% | 8.76% | -111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.16% | 50.57% | 51.62% | 58.88% | 56.07% | 54.53% | 58.43% | 62.58% | +370 bps | |
| Liquid Assets / Assets | 1.85% | 6.46% | 2.06% | 1.91% | 1.91% | 8.94% | 0.03% | 0.02% | -189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |