Minneapolis, MN · Charter 24316
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Minneapolis, MN · Charter 24316
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.93% | 0.59% | 0.76% | 0.96% | 0.52% | 0.22% | -3.43% | -418 bps | |
| Return on Equity | 11.66% | 10.39% | 6.69% | 8.36% | 9.65% | 5.45% | 2.30% | -36.80% | -4,517 bps | |
| Net Interest Margin | 4.72% | 4.79% | 4.84% | 4.87% | 5.28% | 5.18% | 5.33% | 5.20% | +33 bps | |
| Efficiency Ratio | 74.95% | 76.92% | 81.03% | 74.15% | 75.52% | 76.83% | 78.58% | 124.71% | +5,056 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | -0.95% | -0.77% | -3.26% | -6.27% | -4.44% | -7.48% | -10.74% | -748 bps | |
| Loan Growth (YoY) | 9.45% | 11.12% | 7.41% | 7.43% | 2.93% | -6.49% | -9.75% | -16.55% | -2,398 bps | |
| Share Growth (YoY) | -5.12% | -2.09% | 0.89% | -2.45% | -5.67% | -6.24% | -6.79% | -10.20% | -775 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.26% | 1.40% | 2.26% | 1.43% | 1.04% | 1.70% | 1.43% | -83 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 | 0.39% | 0.38% | 0.42% | 0.64% | 0.49% | 0.51% | 1.07% | 0.98% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.76% | 8.91% | 8.79% | 9.05% | 9.91% | 9.61% | 9.72% | 9.31% | +26 bps | |
| Net Worth / Assets | 8.76% | 8.91% | 8.79% | 9.05% | 9.91% | 9.61% | 9.72% | 9.31% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.02% | 98.24% | 98.98% | 97.37% | 103.68% | 97.98% | 95.84% | 90.49% | -689 bps | |
| Liquid Assets / Assets | 11.32% | 7.72% | 8.06% | 9.24% | 0.00% | 0.00% | 0.00% | 0.00% | -924 bps | |