Woodbury, MN · Cert 5348
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Woodbury, MN · Cert 5348
FDIC
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.90% | 1.77% | 1.93% | 1.99% | 2.06% | +16 bps | |
| Return on Equity | 21.23% | 19.81% | 21.58% | 22.08% | 21.38% | +15 bps | |
| Net Interest Margin | 3.92% | 3.88% | 3.82% | 3.83% | 3.79% | -13 bps | |
| Efficiency Ratio | 59.70% | 62.63% | 61.69% | 60.71% | 57.84% | -185 bps | |
| Non-Interest Burden | 1.87% | 1.96% | 1.88% | 1.84% | 1.67% | -20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.21% | 1.95% | 1.20% | -0.97% | 0.41% | -380 bps | |
| Loan Growth (YoY) | 2.31% | 0.24% | 1.66% | -0.82% | -3.15% | -546 bps | |
| Deposit Growth (YoY) | 11.94% | 5.02% | -0.24% | 3.40% | 3.75% | -819 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.06% | 0.10% | 0.10% | 0.06% | +3 bps | |
| Allowance / Loans | 1.16% | 1.17% | 1.03% | 1.02% | 1.05% | -11 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.24% | 12.12% | 11.85% | 12.35% | 13.05% | +81 bps | |
| Equity / Assets | 9.04% | 8.91% | 8.89% | 9.33% | 9.97% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.33% | 103.83% | 106.67% | 99.18% | 95.53% | -680 bps | |
| Liquid Assets / Assets | 3.29% | 3.12% | 3.15% | 3.12% | 2.94% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |