Rochester, MN · Charter 22494
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.86% | 1.04% | 0.97% | 0.90% | 0.85% | 0.72% | 1.02% | +5 bps | |
| Return on Equity | 7.74% | 6.63% | 8.10% | 7.49% | 6.95% | 6.60% | 5.74% | 7.84% | +35 bps | |
| Net Interest Margin | 2.87% | 2.91% | 2.90% | 2.87% | 2.78% | 2.69% | 2.50% | 2.55% | -31 bps | |
| Efficiency Ratio | 73.40% | 76.08% | 71.77% | 72.83% | 73.37% | 73.99% | 78.42% | 73.19% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.78% | 3.00% | 4.00% | 5.30% | 5.71% | 7.70% | 8.65% | 6.78% | +148 bps | |
| Loan Growth (YoY) | 19.23% | 17.40% | 15.54% | 12.93% | 8.37% | 5.16% | 4.21% | 3.70% | -923 bps | |
| Share Growth (YoY) | 4.59% | 6.03% | 3.41% | 3.31% | 3.86% | 6.05% | 7.57% | 9.69% | +638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.17% | 0.20% | 0.23% | 0.27% | 0.24% | 0.18% | 0.15% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.26% | 0.26% | 0.27% | 0.27% | 0.28% | 0.27% | 0.26% | 0.24% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.64% | 12.92% | 12.87% | 12.94% | 12.90% | 12.84% | 12.61% | 13.00% | +6 bps | |
| Net Worth / Assets | 12.64% | 12.92% | 12.87% | 12.94% | 12.90% | 12.84% | 12.61% | 13.00% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.29% | 90.31% | 87.94% | 91.90% | 92.12% | 89.56% | 85.19% | 86.88% | -502 bps | |
| Liquid Assets / Assets | 16.16% | 16.21% | 18.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |