Jackson, MN · Cert 9350
FDIC
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.60% | 0.60% | 1.20% | 1.21% | 1.19% | 1.15% | 1.00% | -21 bps | |
| Return on Equity | 3.74% | 7.23% | 7.34% | 16.35% | 17.01% | 16.72% | 16.16% | 13.35% | -300 bps | |
| Net Interest Margin | 4.12% | 4.14% | 3.91% | 3.79% | 3.72% | 3.78% | 3.92% | 3.96% | +17 bps | |
| Efficiency Ratio | 74.67% | 73.42% | 75.54% | 69.55% | 68.86% | 69.80% | 71.38% | 74.02% | +447 bps | |
| Non-Interest Burden | 2.92% | 2.87% | 2.81% | 2.42% | 2.38% | 2.47% | 2.63% | 2.78% | +36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.33% | -6.05% | 6.52% | 9.30% | 23.35% | 16.06% | 11.86% | -0.66% | -996 bps | |
| Loan Growth (YoY) | -2.05% | -1.19% | 4.53% | 17.12% | 24.16% | 22.12% | 16.30% | 10.98% | -614 bps | |
| Deposit Growth (YoY) | -8.71% | 1.30% | 7.95% | 8.28% | 24.21% | 16.94% | 13.32% | -1.85% | -1,014 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% | 0.01% | 0.00% | 0.01% | 0.00% | 0.02% | -0.03% | -3 bps | |
| Allowance / Loans | 1.24% | 1.23% | 1.25% | 1.22% | 1.15% | 1.18% | 1.28% | 1.31% | +8 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 | 11.84% | 11.82% | 11.75% | 10.76% | 10.06% | 10.46% | 10.97% | 11.61% | +84 bps | |
| Equity / Assets | 7.84% | 8.41% | 7.62% | 7.10% | 6.71% | 7.20% | 6.95% | 8.03% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.96% | 75.70% | 66.57% | 72.51% | 73.94% | 79.05% | 68.31% | 81.99% | +948 bps | |
| Liquid Assets / Assets | 6.36% | 6.04% | 5.49% | 5.78% | 5.15% | 4.49% | 3.57% | 2.02% | -375 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |