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Rural American Bank-Ada

Ada, MN · Cert 8206

FDIC

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Rural American Bank-Ada

Ada, MN · Cert 8206

FDIC

Q2 2005

$35.1MAssets
$25.9MLoans
$30.6MDeposits
$3.2MEquity
Loan mix
71%RE $5.5M28%C&I $2.1M1%Consumer $0.1MQ2 2004Q2 2005
Deposit mix
83%Interest-bearing $25.5M17%Noninterest $5.2MQ2 2004Q2 2005

NIM

5.65%Q2 ’035.33%Q2 ’045.58%Q2 ’05+1%+3%

Non-interest income vs. expense

2.39%Q2 ’032.66%Q2 ’042.67%Q2 ’05+9%+7%

Executive Summary

  • Earnings: ROA of 1.90%, up 43 bps year over year; NIM at 4.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 84.63% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

1.90%+43 bps YoY

Net Interest Margin (YTD, annualized)

4.60%+14 bps YoY

Efficiency Ratio (YTD, annualized)

52.42%+16 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets1.47%1.50%1.55%1.39%1.90%+43 bps
Return on Equity16.71%16.87%17.37%15.92%21.50%+480 bps
Net Interest Margin4.47%4.51%4.41%4.42%4.60%+14 bps
Efficiency Ratio52.26%51.75%50.22%51.80%52.42%+16 bps
Non-Interest Burden2.04%2.05%1.93%2.08%2.18%+14 bps
Growth
Asset Growth (YoY)-6.46%3.28%-4.87%1.26%5.28%+1,174 bps
Loan Growth (YoY)-4.39%3.44%1.24%6.10%3.53%+792 bps
Deposit Growth (YoY)-11.27%4.73%-5.72%2.00%10.39%+2,165 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.03%0.03%+2 bps
Allowance / Loans1.33%1.22%1.28%1.30%1.27%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.93%11.45%12.16%11.20%11.77%-16 bps
Equity / Assets9.34%9.19%8.88%8.58%9.09%-25 bps
Liquidity & Funding
Loans / Deposits90.23%88.16%77.41%84.21%84.63%-560 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a