Audubon, MN · Cert 9739
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Audubon, MN · Cert 9739
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.28% | -0.11% | 0.01% | 0.00% | 0.83% | 0.50% | -0.05% | -0.17% | -17 bps | |
| Return on Equity | -2.38% | -0.96% | 0.08% | 0.00% | 7.13% | 4.32% | -0.35% | -0.89% | -89 bps | |
| Net Interest Margin | 3.42% | 3.23% | 3.26% | 3.14% | 3.19% | 3.15% | 0.51% | 2.67% | -47 bps | |
| Efficiency Ratio | 94.85% | 94.75% | 95.94% | 100.00% | 96.41% | 98.56% | 106.33% | 101.92% | +192 bps | |
| Non-Interest Burden | 3.19% | 3.01% | 3.09% | 3.14% | 3.04% | 3.09% | 0.55% | 2.74% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -6.19% | -2.23% | -0.19% | 0.98% | 6.15% | 15.84% | 11.91% | +1,210 bps | |
| Loan Growth (YoY) | -5.59% | -18.03% | -24.08% | -14.59% | 2.03% | 17.10% | 19.99% | 1.60% | +1,619 bps | |
| Deposit Growth (YoY) | -1.20% | -6.63% | -2.13% | -0.03% | -2.20% | -0.07% | 6.75% | 2.96% | +299 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 | 0.13% | 0.28% | 0.63% | -0.17% | -0.64% | -0.40% | 0.12% | 0.00% | +17 bps | |
| Allowance / Loans | 3.05% | 3.13% | 2.85% | 2.62% | 2.05% | 1.94% | 2.03% | 2.17% | -45 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 | 22.44% | 23.84% | 24.07% | 22.73% | 22.67% | 21.74% | 21.73% | 22.85% | +13 bps | |
| Equity / Assets | 11.99% | 12.03% | 11.82% | 12.02% | 11.14% | 11.27% | 18.70% | 19.03% | +701 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 49.61% | 47.89% | 44.95% | 49.74% | 51.75% | 56.11% | 50.52% | 49.08% | -66 bps | |
| Liquid Assets / Assets | 0.04% | 0.04% | 0.03% | 0.97% | 0.95% | 0.93% | 0.83% | 0.86% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |