Slayton, MN · Cert 22121
FDIC
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.88% | 0.88% | 1.06% | 1.16% | 1.21% | 1.23% | 1.22% | +16 bps | |
| Return on Equity | 4.98% | 5.70% | 5.85% | 8.59% | 10.00% | 10.78% | 11.11% | 12.28% | +369 bps | |
| Net Interest Margin | 3.89% | 3.74% | 3.51% | 3.58% | 3.53% | 3.57% | 3.66% | 3.69% | +12 bps | |
| Efficiency Ratio | 67.06% | 68.87% | 70.61% | 70.70% | 69.57% | 68.71% | 68.94% | 68.58% | -212 bps | |
| Non-Interest Burden | 2.42% | 2.41% | 2.34% | 2.41% | 2.33% | 2.32% | 2.40% | 2.43% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.73% | -1.45% | 7.59% | 2.98% | 9.46% | 7.76% | -3.01% | 2.26% | -72 bps | |
| Loan Growth (YoY) | -12.40% | -9.90% | 2.57% | 3.52% | 15.08% | 16.77% | 11.06% | 13.18% | +966 bps | |
| Deposit Growth (YoY) | -6.03% | -1.21% | 13.38% | 8.13% | 8.05% | 13.14% | -5.73% | -6.84% | -1,497 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 | 0.23% | 0.15% | 0.10% | -0.13% | -0.06% | -0.01% | -0.01% | 0.00% | +13 bps | |
| Allowance / Loans | 1.62% | 1.65% | 1.46% | 1.61% | 1.46% | 1.45% | 1.35% | 1.42% | -20 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 | 23.09% | 23.55% | 21.17% | 15.95% | 15.08% | 15.20% | 15.90% | 14.38% | -156 bps | |
| Equity / Assets | 15.46% | 15.50% | 13.74% | 10.83% | 10.04% | 10.26% | 10.27% | 9.57% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.21% | 72.24% | 70.54% | 70.94% | 79.04% | 74.56% | 83.11% | 86.19% | +1,525 bps | |
| Liquid Assets / Assets | 4.10% | 5.50% | 5.63% | 4.79% | 4.01% | 2.69% | 2.11% | 1.93% | -286 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |