International Falls, MN · Cert 35471
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.65% | 1.96% | 1.42% | 1.43% | 1.32% | 1.77% | 1.74% | +32 bps | |
| Return on Equity | 15.82% | 20.08% | 23.21% | 17.05% | 17.00% | 15.10% | 20.24% | 19.49% | +244 bps | |
| Net Interest Margin | 4.90% | 5.18% | 5.10% | 4.92% | 4.87% | 4.82% | 5.19% | 4.90% | -2 bps | |
| Efficiency Ratio | 60.17% | 52.51% | 47.52% | 56.57% | 54.80% | 55.45% | 49.02% | 48.95% | -762 bps | |
| Non-Interest Burden | 2.50% | 2.19% | 1.64% | 2.28% | 2.20% | 2.20% | 1.89% | 1.65% | -63 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.95% | 14.97% | 9.78% | 11.32% | 12.58% | 14.01% | 15.38% | 6.93% | -439 bps | |
| Loan Growth (YoY) | 12.92% | 13.04% | 5.41% | 13.75% | 20.69% | 16.86% | 18.94% | 14.42% | +67 bps | |
| Deposit Growth (YoY) | 22.65% | 15.77% | 7.68% | 8.59% | 11.52% | 17.88% | 16.44% | 10.66% | +207 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 | 0.00% | 0.00% | 0.10% | 0.04% | 0.00% | 0.00% | 0.08% | 0.01% | -3 bps | |
| Allowance / Loans | 1.40% | 1.38% | 1.36% | 1.35% | 1.33% | 1.39% | 1.39% | 1.47% | +12 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 | 10.92% | 11.10% | 11.30% | 11.31% | 11.18% | 11.27% | 11.13% | 11.47% | +16 bps | |
| Equity / Assets | 8.10% | 8.36% | 8.51% | 8.16% | 8.69% | 8.74% | 8.75% | 9.10% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.50% | 100.87% | 101.00% | 96.36% | 103.35% | 100.00% | 103.16% | 99.64% | +328 bps | |
| Liquid Assets / Assets | 6.45% | 5.19% | 4.41% | 3.51% | 1.66% | 2.21% | 2.30% | 2.28% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |