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First National Bank of Hinckley

Hinckley, MN · Cert 57600

FDIC

Q2 2004

$6.9MAssets
$6.5MLoans
$2.8MDeposits
$4.0MEquity
Loan mix
69%RE $1.9M31%C&I $0.9M0%Consumer $0.0MQ3 2003Q2 2004
Deposit mix
60%Interest-bearing $1.7M40%Noninterest $1.1MQ3 2003Q2 2004

NIM

1.87%Q3 ’036.91%Q1 ’046.37%Q2 ’04+244%-8%

Non-interest income vs. expense

1.71%Q3 ’034.07%Q1 ’043.29%Q2 ’04+130%-18%

Executive Summary

  • Earnings: ROA of 1.57%; NIM at 5.84%.
  • Asset quality: problem loans at 0.00% of loans, with net charge-offs at 0.00%.
  • Funding: loans stand at 233.09% of deposits as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

1.57%

Net Interest Margin (YTD, annualized)

5.84%

Efficiency Ratio (YTD, annualized)

55.16%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets-0.98%-0.27%0.92%1.57%n/a
Return on Equityn/an/a1.50%2.60%n/a
Net Interest Margin1.84%2.85%6.33%5.84%n/a
Efficiency Ratio91.67%75.00%62.38%55.16%n/a
Non-Interest Burden1.68%2.13%3.87%3.16%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/a
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%n/a
Allowance / Loans0.92%1.00%1.01%1.00%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a
Total Risk-Based Capital102.25%84.47%66.94%69.03%n/a
Equity / Assets85.71%67.21%56.40%58.90%n/a
Liquidity & Funding
Loans / Deposits644%273%231%233%n/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%n/a
CRE / Total Capitaln/an/an/an/an/an/a