Minnetonka, MN · Cert 22660
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 0.82% | 1.16% | 0.64% | 1.04% | -0.72% | -5.37% | 1.14% | +50 bps | |
| Return on Equity | 16.00% | 10.58% | 15.63% | 8.41% | 13.38% | -9.24% | -41.64% | 6.61% | -180 bps | |
| Net Interest Margin | 3.88% | 3.84% | 3.72% | 3.79% | 3.97% | 3.84% | 3.28% | 3.00% | -80 bps | |
| Efficiency Ratio | 70.69% | 80.60% | 67.56% | 68.86% | 69.19% | 80.49% | 208% | 62.42% | -643 bps | |
| Non-Interest Burden | 2.64% | 3.02% | 2.39% | 2.51% | 2.64% | 3.01% | 7.38% | 1.87% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | -1.22% | -1.15% | -7.13% | 4.09% | -6.12% | 12.84% | 21.32% | +2,845 bps | |
| Loan Growth (YoY) | 8.19% | 4.50% | 5.29% | 6.47% | 1.72% | -3.82% | -4.29% | 11.29% | +481 bps | |
| Deposit Growth (YoY) | -10.49% | 0.87% | -0.26% | -2.24% | 7.53% | 1.45% | 10.05% | 10.60% | +1,284 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 | 0.01% | 0.17% | 1.48% | 0.07% | 0.23% | 2.37% | -0.07% | 1.64% | +156 bps | |
| Allowance / Loans | 1.17% | 1.11% | 0.79% | 0.98% | 1.00% | 0.94% | 2.01% | 1.31% | +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 | 12.39% | 11.70% | 11.53% | 11.72% | 11.86% | 12.14% | 12.23% | 11.32% | -40 bps | |
| Equity / Assets | 8.12% | 7.47% | 7.33% | 7.92% | 7.65% | 8.04% | 16.89% | 17.50% | +959 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.91% | 91.26% | 89.03% | 92.24% | 86.94% | 86.52% | 77.43% | 92.81% | +57 bps | |
| Liquid Assets / Assets | 0.07% | 0.10% | 0.10% | 0.05% | 0.04% | 0.03% | 0.07% | 0.02% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |