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United Prairie Bank - Slayton

Slayton, MN · Cert 22121

FDIC

Q1 2006

$35.9MAssets
$24.9MLoans
$28.9MDeposits
$3.4MEquity
Loan mix
66%RE $6.4M34%C&I $3.3M0%Consumer $0.0MQ1 2005Q1 2006
Deposit mix
94%Interest-bearing $27.0M6%Noninterest $1.8MQ1 2005Q1 2006

NIM

5.19%Q1 ’044.94%Q1 ’055.79%Q1 ’06-8%+3%

Non-interest income vs. expense

2.95%Q1 ’042.82%Q1 ’052.76%Q1 ’06-3%+1%

Executive Summary

  • Earnings: ROA of 1.22%, up 16 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 86.19% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

1.22%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+12 bps YoY

Efficiency Ratio (YTD, annualized)

68.58%-212 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.06%1.16%1.21%1.23%1.22%+16 bps
Return on Equity8.59%10.00%10.78%11.11%12.28%+369 bps
Net Interest Margin3.58%3.53%3.57%3.66%3.69%+12 bps
Efficiency Ratio70.70%69.57%68.71%68.94%68.58%-212 bps
Non-Interest Burden2.41%2.33%2.32%2.40%2.43%+2 bps
Growth
Asset Growth (YoY)2.98%9.46%7.76%-3.01%2.26%-72 bps
Loan Growth (YoY)3.52%15.08%16.77%11.06%13.18%+966 bps
Deposit Growth (YoY)8.13%8.05%13.14%-5.73%-6.84%-1,497 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.13%-0.06%-0.01%-0.01%0.00%+13 bps
Allowance / Loans1.61%1.46%1.45%1.35%1.42%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital15.95%15.08%15.20%15.90%14.38%-156 bps
Equity / Assets10.83%10.04%10.26%10.27%9.57%-126 bps
Liquidity & Funding
Loans / Deposits70.94%79.04%74.56%83.11%86.19%+1,525 bps
Liquid Assets / Assets4.79%4.01%2.69%2.11%1.93%-286 bps
CRE / Total Capitaln/an/an/an/an/an/an/a