Albert Lea, MN · Cert 5174
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.32% | -1.57% | -0.67% | -1.46% | -0.14% | -0.73% | 1.56% | +223 bps | |
| Return on Equity | 8.15% | 4.09% | -19.56% | -9.05% | -21.20% | -2.06% | -9.65% | 20.47% | +2,952 bps | |
| Net Interest Margin | 3.73% | 3.82% | 4.01% | 3.63% | 3.10% | 3.09% | 3.03% | -4.71% | -835 bps | |
| Efficiency Ratio | 79.95% | 85.56% | 105.15% | 104.37% | 97.45% | 93.32% | 107.18% | 84.16% | -2,021 bps | |
| Non-Interest Burden | 2.62% | 3.16% | 5.22% | 4.72% | 5.27% | 3.24% | 4.37% | -7.17% | -1,189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.94% | -5.23% | -6.64% | 6.33% | -3.49% | 0.76% | -12.46% | -19.10% | -2,543 bps | |
| Loan Growth (YoY) | -13.08% | -7.15% | -3.49% | -7.68% | -9.77% | -14.17% | -25.88% | -27.27% | -1,959 bps | |
| Deposit Growth (YoY) | 0.19% | 0.60% | 4.84% | 11.36% | -1.40% | 3.54% | -9.49% | -18.72% | -3,008 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 | -0.02% | 1.50% | 0.04% | 1.11% | 0.00% | 1.05% | -0.02% | 0.08% | -103 bps | |
| Allowance / Loans | 1.05% | 0.79% | 1.40% | 1.24% | 1.31% | 1.23% | 1.53% | 2.27% | +103 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 | 10.83% | 10.78% | 10.11% | 9.70% | 9.72% | 9.93% | 10.96% | 10.86% | +116 bps | |
| Equity / Assets | 7.65% | 8.25% | 7.82% | 6.99% | 6.77% | 7.19% | 7.89% | 7.34% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.08% | 74.60% | 74.37% | 63.65% | 61.39% | 61.84% | 60.90% | 56.95% | -669 bps | |
| Liquid Assets / Assets | 0.09% | 0.10% | 0.10% | 0.09% | 0.10% | 0.10% | 0.12% | 0.12% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |