PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Marquette Trust Company, National Association

Minneapolis, MN · Cert 34096

FDIC

Q4 2006

$6.1MAssets
n/aLoans
n/aDeposits
$5.9MEquity

Executive Summary

  • Earnings: ROA of -30.37%, down 4,047 bps year over year; NIM at -4.80%.

Return on Assets (quarter, annualized)

-30.37%-4,047 bps YoY

Net Interest Margin (quarter, annualized)

-4.80%-682 bps YoY

Efficiency Ratio (quarter, annualized)

74.37%-1,250 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.45%Q4 ’042.02%Q4 ’05-4.80%Q4 ’06+351%-337%

Non-interest income vs. expense

38.30%Q4 ’0467.59%Q4 ’05-263%Q4 ’06+18%+345%

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets7.72%1.94%-2.59%10.10%-3.64%20.79%24.05%-30.37%-4,047 bps
Return on Equity7.80%1.95%-2.61%10.32%-3.73%21.79%25.55%-31.47%-4,179 bps
Net Interest Margin0.22%0.34%2.48%2.02%2.55%2.98%2.85%-4.80%-682 bps
Efficiency Ratio84.70%96.28%104.73%86.87%103.62%89.20%84.36%74.37%-1,250 bps
Non-Interest Burden-7.62%-1.70%5.18%-8.20%6.28%-18.50%-22.73%20.05%+2,825 bps
Growth
Asset Growth (YoY)5.67%5.82%2.27%7.19%1.97%14.34%18.79%56.03%+4,884 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital183.28%248%283%274%267%194.86%192.02%353%+7,843 bps
Equity / Assets99.11%99.19%99.40%96.44%98.65%92.53%95.74%97.08%+64 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets3.53%43.57%59.80%59.33%61.83%56.02%53.65%36.53%-2,280 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a