Crosby, MN · Cert 5119
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Crosby, MN · Cert 5119
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.39% | 1.33% | 1.23% | 1.22% | 1.33% | 1.39% | 1.41% | +18 bps | |
| Return on Equity | 17.75% | 14.43% | 14.00% | 13.19% | 13.32% | 15.10% | 15.66% | 15.74% | +255 bps | |
| Net Interest Margin | 3.95% | 3.72% | 3.72% | 3.19% | 3.35% | 3.54% | 3.61% | 3.55% | +36 bps | |
| Efficiency Ratio | 58.86% | 63.67% | 64.90% | 67.10% | 67.16% | 65.66% | 64.06% | 63.73% | -337 bps | |
| Non-Interest Burden | 2.16% | 2.23% | 2.26% | 2.02% | 2.12% | 2.20% | 2.18% | 2.12% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.11% | 5.81% | 9.06% | 15.41% | 15.87% | 8.23% | 5.27% | -0.22% | -1,563 bps | |
| Loan Growth (YoY) | 7.48% | 10.73% | 3.87% | 4.15% | 1.33% | 2.99% | 2.18% | -3.30% | -745 bps | |
| Deposit Growth (YoY) | 8.76% | 6.65% | 9.45% | 17.65% | 17.54% | 8.84% | 5.68% | -0.99% | -1,865 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% | 0.03% | 0.01% | 0.00% | 0.01% | 0.03% | 0.03% | 0.02% | +2 bps | |
| Allowance / Loans | 1.44% | 1.48% | 1.51% | 1.50% | 1.56% | 1.53% | 1.53% | 1.60% | +10 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 | 19.52% | 19.36% | 19.12% | 18.40% | 18.33% | 19.29% | 18.98% | 19.56% | +116 bps | |
| Equity / Assets | 9.88% | 9.42% | 9.31% | 8.70% | 8.48% | 9.19% | 8.90% | 9.34% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.27% | 63.51% | 61.34% | 58.69% | 56.27% | 60.10% | 59.31% | 57.32% | -137 bps | |
| Liquid Assets / Assets | 4.20% | 4.00% | 3.80% | 3.57% | 2.98% | 2.57% | 1.94% | 1.93% | -164 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |