Ortonville, MN · Cert 9344
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.45% | 1.35% | 1.29% | 1.36% | 1.42% | 1.62% | 2.17% | +87 bps | |
| Return on Equity | 15.03% | 15.75% | 14.61% | 13.41% | 14.26% | 15.56% | 17.51% | 22.92% | +951 bps | |
| Net Interest Margin | 4.16% | 4.02% | 3.99% | 3.77% | 3.89% | 3.78% | 3.50% | 3.78% | +1 bps | |
| Efficiency Ratio | 47.75% | 44.68% | 47.21% | 48.07% | 46.56% | 42.08% | 46.90% | 43.60% | -447 bps | |
| Non-Interest Burden | 1.83% | 1.65% | 1.78% | 1.71% | 1.68% | 1.48% | 1.53% | 1.51% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.09% | 1.48% | 5.23% | 1.54% | 3.95% | 3.55% | 3.07% | 11.20% | +966 bps | |
| Loan Growth (YoY) | 5.13% | -2.12% | 3.61% | 0.22% | 2.81% | 4.76% | -3.86% | 4.61% | +438 bps | |
| Deposit Growth (YoY) | 8.97% | 4.17% | 1.12% | 0.79% | 4.42% | 2.55% | 8.07% | 10.32% | +953 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 | -0.02% | 0.03% | 0.00% | 0.06% | -0.14% | 0.00% | 0.00% | 0.21% | +15 bps | |
| Allowance / Loans | 1.59% | 1.58% | 1.55% | 1.64% | 1.63% | 1.57% | 1.46% | 0.99% | -65 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 | 11.92% | 11.83% | 11.75% | 12.79% | 11.62% | 11.65% | 12.38% | 12.59% | -20 bps | |
| Equity / Assets | 9.21% | 9.21% | 9.30% | 10.00% | 9.12% | 9.15% | 9.35% | 9.56% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.76% | 105.23% | 109.21% | 100.04% | 102.16% | 107.49% | 97.16% | 94.86% | -518 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.04% | 0.05% | 0.04% | 0.04% | 0.07% | 0.05% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |