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United Prairie Bank - Spicer

Spicer, MN · Cert 9347

FDIC

Q1 2006

$63.8MAssets
$49.3MLoans
$51.2MDeposits
$5.8MEquity
Loan mix
69%RE $16.6M31%C&I $7.3M0%Consumer $0.0MQ1 2005Q1 2006
Deposit mix
94%Interest-bearing $48.4M6%Noninterest $2.8MQ1 2005Q1 2006

NIM

5.46%Q1 ’045.66%Q1 ’056.61%Q1 ’06-2%+6%

Non-interest income vs. expense

3.10%Q1 ’042.86%Q1 ’052.77%Q1 ’06-8%-3%

Executive Summary

  • Earnings: ROA of 1.70%, up 30 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 96.38% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

1.70%+30 bps YoY

Net Interest Margin (quarter, annualized)

4.13%+25 bps YoY

Efficiency Ratio (quarter, annualized)

61.45%-562 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.40%1.72%1.92%1.46%1.70%+30 bps
Return on Equity15.25%19.23%21.10%15.92%18.58%+332 bps
Net Interest Margin3.88%4.29%3.87%4.09%4.13%+25 bps
Efficiency Ratio67.07%63.71%59.21%69.66%61.45%-562 bps
Non-Interest Burden2.47%2.54%1.99%2.62%2.39%-8 bps
Growth
Asset Growth (YoY)9.79%1.80%5.54%8.85%5.18%-461 bps
Loan Growth (YoY)9.36%3.69%7.69%5.20%7.56%-180 bps
Deposit Growth (YoY)5.13%2.15%8.88%11.87%5.12%-1 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.64%1.61%1.54%1.61%1.57%-7 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 Capital10.22%10.43%10.57%11.37%10.82%+60 bps
Equity / Assets8.77%9.12%9.07%9.24%9.08%+31 bps
Liquidity & Funding
Loans / Deposits94.20%95.79%94.02%87.57%96.38%+218 bps
Liquid Assets / Assets0.10%0.10%0.09%0.09%0.09%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a