Chaska, MN · Cert 5111
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Chaska, MN · Cert 5111
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.60% | 1.62% | 0.16% | -0.02% | 0.34% | 0.91% | 2.06% | +190 bps | |
| Return on Equity | 12.41% | 16.36% | 16.46% | 1.59% | -0.24% | 3.29% | 8.89% | 20.49% | +1,891 bps | |
| Net Interest Margin | 3.94% | 3.85% | 3.81% | 3.52% | 3.52% | 3.64% | 3.62% | 3.85% | +32 bps | |
| Efficiency Ratio | 66.87% | 63.41% | 64.99% | 82.69% | 79.59% | 76.59% | 70.44% | 58.70% | -2,399 bps | |
| Non-Interest Burden | 2.11% | 1.77% | 1.85% | 2.69% | 2.54% | 2.47% | 2.08% | 1.77% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.20% | 0.18% | -0.58% | -6.39% | -3.38% | -2.47% | 0.31% | 4.20% | +1,058 bps | |
| Loan Growth (YoY) | 3.65% | -6.50% | -15.96% | -15.05% | -17.64% | -9.49% | 8.46% | 13.66% | +2,871 bps | |
| Deposit Growth (YoY) | 9.85% | 0.55% | -0.85% | -7.43% | -1.91% | -1.09% | 1.53% | -3.87% | +355 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 | 0.15% | 0.82% | 0.75% | 0.02% | -0.02% | 0.84% | 0.96% | 0.01% | -1 bps | |
| Allowance / Loans | 1.77% | 1.42% | 1.46% | 1.74% | 2.37% | 1.84% | 1.41% | 1.34% | -40 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 | 12.98% | 13.69% | 14.54% | 14.71% | 14.42% | 13.86% | 13.76% | 13.89% | -82 bps | |
| Equity / Assets | 10.06% | 10.19% | 9.98% | 10.72% | 9.95% | 10.41% | 9.92% | 10.22% | -50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.43% | 74.16% | 63.98% | 68.84% | 66.69% | 67.87% | 68.35% | 81.40% | +1,256 bps | |
| Liquid Assets / Assets | 0.99% | 4.46% | 10.24% | 2.41% | 1.56% | 0.58% | 0.55% | 0.01% | -240 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |