Cannon Falls, MN · Cert 5108
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cannon Falls, MN · Cert 5108
FDIC
Q2 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.80% | 0.93% | 1.06% | 0.55% | 0.57% | 0.73% | 0.28% | -78 bps | |
| Return on Equity | 8.30% | 9.72% | 11.58% | 13.15% | 6.77% | 6.95% | 8.83% | 3.34% | -981 bps | |
| Net Interest Margin | 4.15% | 4.16% | 4.17% | 4.20% | 4.18% | 4.05% | 3.47% | 3.43% | -76 bps | |
| Efficiency Ratio | 75.37% | 75.61% | 73.00% | 74.44% | 75.96% | 78.04% | 82.85% | 93.11% | +1,867 bps | |
| Non-Interest Burden | 2.94% | 2.97% | 2.85% | 2.94% | 3.01% | 3.01% | 2.72% | 3.15% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.02% | 1.64% | 0.79% | -0.74% | -3.73% | -5.25% | -1.61% | -6.77% | -604 bps | |
| Loan Growth (YoY) | 8.60% | 6.84% | 1.39% | -3.79% | -8.23% | -14.24% | -15.25% | -15.16% | -1,137 bps | |
| Deposit Growth (YoY) | 0.12% | -0.56% | -0.55% | 1.87% | 1.80% | -1.05% | 3.41% | -4.67% | -655 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 | 0.12% | 0.13% | 0.76% | 0.88% | 0.73% | 0.69% | 0.37% | 0.33% | -56 bps | |
| Allowance / Loans | 1.62% | 1.61% | 1.55% | 1.37% | 1.83% | 1.89% | 1.83% | 1.83% | +46 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 | 11.35% | 11.36% | 11.62% | 11.83% | 11.59% | 12.32% | 12.70% | 13.19% | +136 bps | |
| Equity / Assets | 8.20% | 7.95% | 8.12% | 8.18% | 8.24% | 8.33% | 8.31% | 8.78% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.91% | 92.43% | 91.37% | 88.69% | 87.36% | 80.11% | 74.88% | 78.93% | -976 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.02% | 0.05% | 0.04% | 0.02% | 0.04% | 0.02% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |