Crosby, MN · Cert 5119
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.39% | 1.28% | 1.03% | 1.17% | 1.33% | 1.46% | 1.47% | +43 bps | |
| Return on Equity | 17.48% | 14.43% | 13.71% | 11.50% | 13.66% | 15.10% | 16.09% | 16.08% | +458 bps | |
| Net Interest Margin | 4.11% | 3.72% | 3.76% | 3.14% | 3.43% | 3.54% | 3.65% | 3.58% | +45 bps | |
| Efficiency Ratio | 58.77% | 63.67% | 66.07% | 71.62% | 67.32% | 65.66% | 62.50% | 63.10% | -852 bps | |
| Non-Interest Burden | 2.25% | 2.23% | 2.31% | 2.14% | 2.18% | 2.20% | 2.13% | 2.09% | -5 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 | 0.03% | 0.03% | -0.01% | -0.01% | 0.04% | 0.03% | 0.04% | 0.00% | +1 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 |