Deer River, MN · Cert 5122
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 | 0.48% | 0.38% | 0.17% | 0.23% | 0.34% | 0.29% | 0.36% | 0.11% | -12 bps | |
| Return on Equity | 3.33% | 2.60% | 1.12% | 1.55% | 2.20% | 1.71% | 2.13% | 0.65% | -91 bps | |
| Net Interest Margin | 4.09% | 4.13% | 4.42% | 4.44% | 4.60% | 4.69% | 4.79% | 0.99% | -344 bps | |
| Efficiency Ratio | 87.16% | 87.38% | 94.40% | 91.36% | 91.53% | 90.86% | 88.58% | 81.48% | -988 bps | |
| Non-Interest Burden | 3.43% | 3.48% | 4.12% | 3.98% | 4.14% | 4.19% | 4.15% | 0.79% | -319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.33% | -1.57% | -3.27% | -5.23% | -17.15% | -5.28% | -11.46% | 6.28% | +1,151 bps | |
| Loan Growth (YoY) | 39.43% | 36.14% | 32.86% | 11.30% | -3.89% | 0.99% | -4.97% | -5.90% | -1,720 bps | |
| Deposit Growth (YoY) | 9.54% | -2.07% | -4.06% | -6.19% | -20.25% | -7.02% | -13.90% | 0.19% | +638 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 | 0.06% | 0.00% | -0.06% | -0.05% | -0.05% | 0.00% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 2.66% | 2.78% | 2.64% | 2.65% | 2.82% | 2.81% | 2.80% | 2.83% | +18 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 | 24.41% | 25.34% | 25.03% | 28.31% | 29.65% | 29.74% | 29.70% | 28.69% | +38 bps | |
| Equity / Assets | 13.60% | 15.79% | 15.11% | 15.84% | 16.68% | 16.88% | 17.39% | 18.24% | +240 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.86% | 74.79% | 75.98% | 79.81% | 79.38% | 81.23% | 83.87% | 74.96% | -485 bps | |
| Liquid Assets / Assets | 13.43% | 14.86% | 13.58% | 10.80% | 12.68% | 12.12% | 12.42% | 12.71% | +190 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |