Floodwood, MN · Cert 9742
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | -2.14% | 1.84% | 2.06% | 0.52% | -0.20% | 2.14% | 1.66% | -40 bps | |
| Return on Equity | 9.94% | -22.58% | 19.72% | 21.70% | 5.40% | -1.71% | 15.63% | 12.17% | -952 bps | |
| Net Interest Margin | 4.99% | 6.74% | 6.38% | 5.80% | 5.26% | -2.12% | 6.66% | 5.94% | +14 bps | |
| Efficiency Ratio | 66.49% | 65.81% | 64.25% | 66.24% | 78.64% | 76.86% | 52.92% | 52.42% | -1,382 bps | |
| Non-Interest Burden | 3.02% | 4.18% | 3.90% | 3.43% | 3.98% | -1.65% | 3.26% | 2.78% | -65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.67% | 6.70% | 5.69% | 10.14% | 9.98% | 10.87% | 9.57% | 10.13% | -1 bps | |
| Loan Growth (YoY) | 4.12% | 0.66% | 7.82% | -0.98% | -4.15% | 0.15% | 11.21% | 23.70% | +2,468 bps | |
| Deposit Growth (YoY) | -0.79% | 14.91% | 6.62% | 11.10% | 10.44% | 5.87% | 2.04% | 1.76% | -934 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 | 0.08% | 6.24% | -0.08% | -0.04% | 0.38% | 0.08% | 0.41% | -0.03% | +1 bps | |
| Allowance / Loans | 1.07% | 0.94% | 1.03% | 1.41% | 1.55% | 1.38% | 1.21% | 1.28% | -13 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 | 14.13% | 12.92% | 13.53% | 13.29% | 13.18% | 14.49% | 15.71% | 16.54% | +326 bps | |
| Equity / Assets | 9.80% | 9.19% | 9.43% | 9.57% | 9.72% | 13.61% | 13.74% | 13.55% | +399 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.58% | 85.06% | 88.30% | 79.86% | 76.01% | 80.47% | 96.24% | 97.08% | +1,722 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |