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United Prairie Bank - Jackson

Jackson, MN · Cert 9350

FDIC

Q1 2006

$39.2MAssets
$27.7MLoans
$33.7MDeposits
$3.1MEquity
Loan mix
79%RE $9.9M21%C&I $2.6M0%Consumer $0.1MQ1 2005Q1 2006
Deposit mix
95%Interest-bearing $32.0M5%Noninterest $1.8MQ1 2005Q1 2006

NIM

5.71%Q1 ’045.51%Q1 ’056.25%Q1 ’06-8%+5%

Non-interest income vs. expense

3.49%Q1 ’043.14%Q1 ’053.38%Q1 ’06-19%+15%

Executive Summary

  • Earnings: ROA of 1.00%, down 21 bps year over year; NIM at 3.96%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.03%.
  • Funding: loans stand at 81.99% of deposits as of Q1 2006.

Financial Results

Return on Assets (quarter, annualized)

1.00%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.96%+17 bps YoY

Efficiency Ratio (quarter, annualized)

74.02%+447 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets1.20%1.24%1.13%1.03%1.00%-21 bps
Return on Equity16.35%18.05%16.20%14.55%13.35%-300 bps
Net Interest Margin3.79%3.90%3.99%4.21%3.96%+17 bps
Efficiency Ratio69.55%68.20%71.55%75.58%74.02%+447 bps
Non-Interest Burden2.42%2.51%2.71%3.01%2.78%+36 bps
Growth
Asset Growth (YoY)9.30%23.35%16.06%11.86%-0.66%-996 bps
Loan Growth (YoY)17.12%24.16%22.12%16.30%10.98%-614 bps
Deposit Growth (YoY)8.28%24.21%16.94%13.32%-1.85%-1,014 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%-0.01%0.07%-0.03%-3 bps
Allowance / Loans1.22%1.15%1.18%1.28%1.31%+8 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 Capital10.76%10.06%10.46%10.97%11.61%+84 bps
Equity / Assets7.10%6.71%7.20%6.95%8.03%+93 bps
Liquidity & Funding
Loans / Deposits72.51%73.94%79.05%68.31%81.99%+948 bps
Liquid Assets / Assets5.78%5.15%4.49%3.57%2.02%-375 bps
CRE / Total Capitaln/an/an/an/an/an/an/a