Spicer, MN · Cert 9347
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.80% | 1.35% | 0.72% | 1.40% | 1.72% | 1.92% | 1.46% | 1.70% | +30 bps | |
| Return on Equity | 18.58% | 14.56% | 7.53% | 15.25% | 19.23% | 21.10% | 15.92% | 18.58% | +332 bps | |
| Net Interest Margin | 4.41% | 4.10% | 4.10% | 3.88% | 4.29% | 3.87% | 4.09% | 4.13% | +25 bps | |
| Efficiency Ratio | 58.52% | 66.76% | 82.75% | 67.07% | 63.71% | 59.21% | 69.66% | 61.45% | -562 bps | |
| Non-Interest Burden | 2.41% | 2.64% | 3.26% | 2.47% | 2.54% | 1.99% | 2.62% | 2.39% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.37% | 11.38% | 8.80% | 9.79% | 1.80% | 5.54% | 8.85% | 5.18% | -461 bps | |
| Loan Growth (YoY) | 15.68% | 10.79% | 9.76% | 9.36% | 3.69% | 7.69% | 5.20% | 7.56% | -180 bps | |
| Deposit Growth (YoY) | 9.62% | 10.34% | 4.10% | 5.13% | 2.15% | 8.88% | 11.87% | 5.12% | -1 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.64% | 1.62% | 1.64% | 1.64% | 1.61% | 1.54% | 1.61% | 1.57% | -7 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 | 10.56% | 10.59% | 11.07% | 10.22% | 10.43% | 10.57% | 11.37% | 10.82% | +60 bps | |
| Equity / Assets | 9.09% | 9.43% | 9.64% | 8.77% | 9.12% | 9.07% | 9.24% | 9.08% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.37% | 95.07% | 93.12% | 94.20% | 95.79% | 94.02% | 87.57% | 96.38% | +218 bps | |
| Liquid Assets / Assets | 0.91% | 0.10% | 0.10% | 0.10% | 0.10% | 0.09% | 0.09% | 0.09% | 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 |