Albert Lea, MN · Cert 5174
FDIC
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.32% | -0.59% | -0.61% | -0.83% | -0.14% | -0.42% | 0.19% | +80 bps | |
| Return on Equity | 7.42% | 4.09% | -7.52% | -8.00% | -11.12% | -2.06% | -5.83% | 2.60% | +1,060 bps | |
| Net Interest Margin | 3.72% | 3.82% | 3.98% | 3.73% | 3.49% | 3.09% | 3.20% | 0.69% | -303 bps | |
| Efficiency Ratio | 82.08% | 85.56% | 94.72% | 97.81% | 97.70% | 93.32% | 99.18% | 81.14% | -1,668 bps | |
| Non-Interest Burden | 2.67% | 3.16% | 4.24% | 4.26% | 4.42% | 3.24% | 3.95% | 0.41% | -385 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 | 0.19% | 1.50% | 0.77% | 0.90% | 0.72% | 1.05% | 0.59% | 0.44% | -45 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 |