Wabasha, MN · Cert 34568
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.24% | 2.80% | 3.25% | 1.00% | 2.69% | 2.52% | 1.90% | 2.83% | +183 bps | |
| Return on Equity | 20.97% | 17.29% | 19.10% | 5.63% | 15.48% | 14.79% | 11.02% | 15.82% | +1,019 bps | |
| Net Interest Margin | 3.78% | 3.83% | 4.19% | 3.87% | 3.51% | 4.09% | 3.37% | 3.53% | -34 bps | |
| Efficiency Ratio | 28.16% | 35.68% | 30.84% | 37.88% | 30.98% | 43.50% | 49.48% | 27.64% | -1,024 bps | |
| Non-Interest Burden | 0.51% | 1.01% | 0.94% | 1.13% | 0.81% | 1.55% | 1.46% | 0.71% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.57% | 4.25% | -0.26% | -1.52% | 8.29% | 10.35% | 13.17% | 12.14% | +1,366 bps | |
| Loan Growth (YoY) | -3.11% | -3.60% | 1.86% | 1.93% | -3.01% | -8.34% | -11.94% | 0.10% | -183 bps | |
| Deposit Growth (YoY) | 8.04% | 2.79% | -3.10% | -4.48% | 7.35% | 9.69% | 13.54% | 11.65% | +1,614 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 | 0.03% | 0.17% | 0.00% | 2.97% | 0.00% | -0.04% | 0.00% | 0.00% | -297 bps | |
| Allowance / Loans | 1.29% | 1.25% | 1.20% | 1.17% | 1.19% | 1.28% | 1.28% | 1.18% | +1 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 | 26.71% | 28.01% | 28.70% | 29.78% | 29.55% | 31.54% | 33.21% | 32.81% | +302 bps | |
| Equity / Assets | 15.91% | 16.46% | 17.53% | 17.83% | 16.97% | 17.11% | 17.42% | 18.34% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.59% | 78.50% | 83.97% | 80.60% | 71.91% | 65.60% | 65.13% | 72.26% | -834 bps | |
| Liquid Assets / Assets | 29.31% | 27.99% | 30.08% | 25.26% | 26.74% | 33.23% | 41.60% | 37.42% | +1,216 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |