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 0.80%, down 351 bps year over year; NIM at 0.17%.

Return on Assets (YTD, annualized)

0.80%-351 bps YoY

Net Interest Margin (YTD, annualized)

0.17%-106 bps YoY

Efficiency Ratio (YTD, annualized)

61.76%-3,087 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.31%Q4 ’041.22%Q4 ’050.17%Q4 ’06+297%-86%

Non-interest income vs. expense

43.70%Q4 ’0453.89%Q4 ’052.95%Q4 ’06-8%+72%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets7.72%4.82%2.35%4.31%-3.64%8.74%14.17%0.80%-351 bps
Return on Equity7.80%4.86%2.37%4.37%-3.73%9.13%14.80%0.83%-354 bps
Net Interest Margin0.22%0.28%1.01%1.22%2.55%2.72%2.69%0.17%-106 bps
Efficiency Ratio84.70%90.61%95.53%92.63%103.62%94.01%90.49%61.76%-3,087 bps
Non-Interest Burden-7.62%-4.75%-1.43%-3.06%6.28%-6.22%-11.55%-0.85%+221 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