Minneapolis, MN · Cert 34096
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 10.10% | -3.64% | 20.79% | 24.05% | -30.37% | -4,047 bps | |
| Return on Equity | 10.32% | -3.73% | 21.79% | 25.55% | -31.47% | -4,179 bps | |
| Net Interest Margin | 2.02% | 2.55% | 2.98% | 2.85% | -4.80% | -682 bps | |
| Efficiency Ratio | 86.87% | 103.62% | 89.20% | 84.36% | 74.37% | -1,250 bps | |
| Non-Interest Burden | -8.20% | 6.28% | -18.50% | -22.73% | 20.05% | +2,825 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 |