Ada, MN · Cert 8206
FDIC
Q2 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.70% | 1.57% | 1.37% | 1.63% | 1.62% | 1.71% | 1.39% | 2.49% | +86 bps | |
| Return on Equity | 18.84% | 18.00% | 15.99% | 17.79% | 17.50% | 18.94% | 15.92% | 28.13% | +1,034 bps | |
| Net Interest Margin | 4.67% | 4.34% | 4.28% | 4.46% | 4.66% | 4.62% | 4.42% | 4.68% | +23 bps | |
| Efficiency Ratio | 47.51% | 47.51% | 53.09% | 51.45% | 50.77% | 45.86% | 51.80% | 53.00% | +156 bps | |
| Non-Interest Burden | 1.91% | 1.77% | 2.03% | 1.95% | 2.10% | 1.82% | 2.08% | 2.23% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.90% | 5.82% | -5.14% | -6.46% | 3.28% | -4.87% | 1.26% | 5.28% | +1,174 bps | |
| Loan Growth (YoY) | 1.87% | -7.23% | -5.47% | -4.39% | 3.44% | 1.24% | 6.10% | 3.53% | +792 bps | |
| Deposit Growth (YoY) | -2.81% | 6.61% | -6.32% | -11.27% | 4.73% | -5.72% | 2.00% | 10.39% | +2,165 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% | -0.02% | 0.00% | 0.02% | 0.03% | 0.02% | 0.03% | 0.03% | +1 bps | |
| Allowance / Loans | 1.27% | 1.30% | 1.40% | 1.33% | 1.22% | 1.28% | 1.30% | 1.27% | -6 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 | 11.59% | 11.88% | 11.79% | 11.93% | 11.45% | 12.16% | 11.20% | 11.77% | -16 bps | |
| Equity / Assets | 9.30% | 8.28% | 8.97% | 9.34% | 9.19% | 8.88% | 8.58% | 9.09% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.26% | 72.09% | 80.96% | 90.23% | 88.16% | 77.41% | 84.21% | 84.63% | -560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |