Hinckley, MN · Cert 57600
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | -0.98% | 1.36% | 0.92% | 2.12% | n/a | |
| Return on Equity | n/a | 1.81% | 1.50% | 3.68% | n/a | |
| Net Interest Margin | 1.70% | 6.77% | 6.33% | 6.43% | n/a | |
| Efficiency Ratio | 91.67% | 63.64% | 62.38% | 49.18% | n/a | |
| Non-Interest Burden | n/a | 4.25% | 3.87% | 3.11% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| Allowance / Loans | 0.92% | 1.00% | 1.01% | 1.00% | n/a | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 102.25% | 84.47% | 66.94% | 69.03% | n/a | |
| Equity / Assets | 85.71% | 67.21% | 56.40% | 58.90% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Deposits | 644% | 273% | 231% | 233% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a |