Cannon Falls, MN · Cert 5108
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.14% | 0.93% | 1.19% | -0.51% | 0.63% | 0.73% | -0.18% | -138 bps | |
| Return on Equity | 11.86% | 14.12% | 11.58% | 14.65% | -6.25% | 7.58% | 8.83% | -2.16% | -1,681 bps | |
| Net Interest Margin | 4.30% | 4.19% | 4.17% | 4.22% | 3.92% | 3.61% | 3.47% | 3.32% | -89 bps | |
| Efficiency Ratio | 71.91% | 76.34% | 73.00% | 75.88% | 79.33% | 85.29% | 82.85% | 104.87% | +2,899 bps | |
| Non-Interest Burden | 2.88% | 3.04% | 2.85% | 3.03% | 2.98% | 2.99% | 2.72% | 3.51% | +49 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 | 0.07% | 0.13% | 0.76% | 0.97% | 0.37% | 0.37% | 0.37% | 0.27% | -70 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 |