St. Paul_, MN · Charter 24158
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
St. Paul_, MN · Charter 24158
Q1 2011
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.91% | 1.54% | 1.12% | 0.59% | 0.53% | 1.92% | 1.28% | 1.88% | +128 bps | |
| Return on Equity | 11.90% | 9.82% | 7.09% | 4.01% | 3.54% | 13.36% | 8.72% | 11.75% | +774 bps | |
| Net Interest Margin | 6.65% | 5.98% | 6.05% | 5.65% | 6.33% | 5.98% | 6.03% | 5.82% | +17 bps | |
| Efficiency Ratio | 72.83% | 74.78% | 73.12% | 89.64% | 85.41% | 68.30% | 77.71% | 65.71% | -2,393 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.32% | 24.97% | 8.54% | 19.40% | 12.34% | 13.57% | 14.99% | 3.86% | -1,554 bps | |
| Loan Growth (YoY) | 22.13% | 31.39% | 13.42% | 34.85% | 17.26% | 8.37% | 23.02% | -10.96% | -4,581 bps | |
| Share Growth (YoY) | 19.94% | 15.83% | -3.54% | 11.71% | 9.37% | 11.76% | 15.30% | 0.26% | -1,145 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.92% | 2.01% | 0.64% | 1.40% | 1.02% | 1.90% | 0.45% | 0.45% | -95 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 | 0.66% | 0.61% | 0.63% | 0.51% | 0.52% | 0.52% | 0.38% | 0.51% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.06% | 15.64% | 15.79% | 14.82% | 15.02% | 14.41% | 14.70% | 15.99% | +117 bps | |
| Net Worth / Assets | 16.06% | 15.64% | 15.79% | 14.82% | 15.02% | 14.41% | 14.70% | 15.99% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.20% | 107.84% | 106.47% | 120.45% | 113.86% | 104.57% | 113.60% | 106.98% | -1,347 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |