Sandstone, MN · Charter 13528
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.
Sandstone, MN · Charter 13528
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | -0.72% | 0.55% | 0.46% | 1.71% | 1.92% | 1.26% | 1.15% | -21.25% | -2,295 bps | |
| Return on Equity | -2.61% | 1.90% | 1.58% | 6.11% | 6.69% | 4.27% | 3.75% | -88.32% | -9,442 bps | |
| Net Interest Margin | 3.54% | 3.69% | 3.79% | 2.85% | 2.84% | 3.02% | 3.16% | -2.44% | -529 bps | |
| Efficiency Ratio | 120.23% | 85.19% | 80.14% | 40.05% | 32.42% | 58.33% | 63.47% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | -1.50% | 0.43% | 0.50% | 2.38% | 1.56% | -1.32% | -2.63% | -313 bps | |
| Loan Growth (YoY) | -7.67% | -14.57% | -28.68% | -22.24% | -18.38% | -14.72% | 5.87% | -6.63% | +1,561 bps | |
| Share Growth (YoY) | 1.98% | -1.92% | 0.39% | -0.79% | 1.05% | 0.84% | -3.48% | 1.04% | +183 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.68% | 17.86% | 7.47% | 6.88% | 0.33% | 4.90% | 4.33% | 4.39% | -249 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.04% | 5.43% | 2.73% | 2.68% | 2.53% | 2.60% | 2.58% | 2.87% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.59% | 28.93% | 29.23% | 27.95% | 28.70% | 29.48% | 30.78% | 24.06% | -389 bps | |
| Net Worth / Assets | 27.59% | 28.93% | 29.23% | 27.95% | 28.70% | 29.48% | 30.78% | 24.06% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.46% | 77.70% | 64.08% | 60.05% | 65.00% | 65.71% | 70.29% | 55.49% | -456 bps | |
| Liquid Assets / Assets | 44.58% | 47.66% | 55.35% | 57.37% | 54.36% | 54.29% | 52.20% | 59.25% | +188 bps | |