Pine City, MN · Cert 5226
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.88% | 1.80% | 1.82% | -5.33% | 2.10% | 2.25% | 1.69% | -13 bps | |
| Return on Equity | 16.83% | 18.70% | 17.16% | 17.25% | -36.95% | 11.44% | 11.80% | 8.62% | -863 bps | |
| Net Interest Margin | 4.14% | 3.99% | 4.10% | 4.01% | -11.87% | 3.99% | 4.31% | 4.30% | +29 bps | |
| Efficiency Ratio | 62.80% | 55.50% | 59.23% | 58.22% | 82.14% | 52.57% | 52.51% | 64.32% | +610 bps | |
| Non-Interest Burden | 2.45% | 2.01% | 2.26% | 2.18% | -6.28% | 1.89% | 2.05% | 2.63% | +45 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.40% | -3.22% | 1.76% | -0.58% | 2.28% | 6.30% | 1.83% | 4.28% | +485 bps | |
| Loan Growth (YoY) | 6.00% | 5.22% | 3.93% | 2.30% | 3.10% | 1.00% | 3.50% | 4.66% | +236 bps | |
| Deposit Growth (YoY) | -0.18% | -3.70% | 2.57% | -0.69% | -7.36% | -3.55% | -8.49% | -6.31% | -562 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 | 0.00% | 0.01% | -0.06% | 0.00% | 0.08% | 0.00% | 0.23% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.44% | 1.44% | 1.42% | 1.41% | 1.43% | 1.31% | 1.28% | -14 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 | 20.40% | 21.68% | 22.08% | 21.60% | 19.36% | 24.46% | 24.09% | 24.26% | +266 bps | |
| Equity / Assets | 9.54% | 10.58% | 10.44% | 10.65% | 17.95% | 18.82% | 19.40% | 19.69% | +905 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.82% | 70.46% | 68.63% | 71.42% | 72.14% | 73.78% | 77.62% | 79.79% | +837 bps | |
| Liquid Assets / Assets | 0.23% | 0.25% | 0.06% | 0.07% | 0.06% | 0.07% | 0.07% | 0.07% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |