Minneapolis, MN · Cert 34096
FDIC
Q4 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.31% | -3.64% | 8.74% | 14.17% | 0.80% | -351 bps | |
| Return on Equity | 4.37% | -3.73% | 9.13% | 14.80% | 0.83% | -354 bps | |
| Net Interest Margin | 1.22% | 2.55% | 2.72% | 2.69% | 0.17% | -106 bps | |
| Efficiency Ratio | 92.63% | 103.62% | 94.01% | 90.49% | 61.76% | -3,087 bps | |
| Non-Interest Burden | -3.06% | 6.28% | -6.22% | -11.55% | -0.85% | +221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.19% | 1.97% | 14.34% | 18.79% | 56.03% | +4,884 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 274% | 267% | 194.86% | 192.02% | 353% | +7,843 bps | |
| Equity / Assets | 96.44% | 98.65% | 92.53% | 95.74% | 97.08% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 59.33% | 61.83% | 56.02% | 53.65% | 36.53% | -2,280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |