Montevideo, MN · Cert 5211
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.48% | 2.04% | 1.82% | 1.88% | 1.81% | 3.45% | 2.07% | +25 bps | |
| Return on Equity | 11.13% | 11.65% | 15.49% | 13.09% | 13.06% | 12.15% | 22.79% | 13.80% | +71 bps | |
| Net Interest Margin | 3.60% | 3.42% | 3.39% | 3.40% | 3.50% | 3.68% | 3.69% | 3.61% | +21 bps | |
| Efficiency Ratio | 59.92% | 62.76% | 71.98% | 59.51% | 58.04% | 60.39% | 61.22% | 53.51% | -600 bps | |
| Non-Interest Burden | 1.85% | 1.83% | 2.25% | 1.51% | 1.64% | 1.86% | 1.92% | 1.48% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.74% | -9.44% | -8.44% | -7.59% | -10.63% | -9.50% | -9.11% | -6.23% | +136 bps | |
| Loan Growth (YoY) | -12.95% | -20.59% | -20.67% | -20.99% | -17.30% | -11.36% | -9.39% | -5.35% | +1,564 bps | |
| Deposit Growth (YoY) | -5.89% | -10.20% | -10.35% | -11.07% | -13.87% | -13.96% | -12.02% | -5.04% | +603 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 | 0.80% | 1.19% | 1.11% | 0.09% | -0.13% | -0.14% | 0.06% | -0.06% | -15 bps | |
| Allowance / Loans | 2.46% | 2.38% | 1.86% | 1.99% | 1.99% | 2.05% | 1.43% | 1.50% | -49 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 | 16.54% | 17.72% | 18.88% | 20.30% | 20.50% | 20.56% | 20.49% | 20.90% | +59 bps | |
| Equity / Assets | 12.49% | 12.95% | 13.41% | 14.41% | 14.46% | 15.32% | 14.99% | 15.03% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.96% | 79.59% | 76.63% | 75.39% | 79.66% | 81.99% | 78.92% | 75.15% | -24 bps | |
| Liquid Assets / Assets | 2.27% | 2.63% | 1.49% | 1.36% | 0.01% | 0.01% | 0.02% | 2.52% | +116 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |