Brooklyn Center, MN · Charter 24359
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.31% | -4.55% | -4.60% | -2.08% | -0.15% | -0.85% | -0.76% | 0.03% | +211 bps | |
| Return on Equity | -32.54% | -89.53% | -110.42% | -65.16% | -4.12% | -26.74% | -25.12% | 0.85% | +6,601 bps | |
| Net Interest Margin | 3.83% | 3.96% | 4.09% | 4.11% | 4.16% | 4.28% | 4.23% | 3.90% | -21 bps | |
| Efficiency Ratio | 82.95% | 80.02% | 81.94% | 68.88% | 67.46% | 71.08% | 65.98% | 70.76% | +189 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | -0.48% | -3.05% | -7.74% | -6.24% | -5.39% | -1.05% | -0.20% | +754 bps | |
| Loan Growth (YoY) | -2.68% | -4.53% | -6.03% | -4.23% | -3.13% | -2.41% | -5.56% | -7.79% | -355 bps | |
| Share Growth (YoY) | 6.73% | 4.39% | 2.07% | -2.56% | -2.48% | -3.19% | 0.49% | 0.50% | +306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 2.46% | 2.13% | 3.15% | 3.36% | 3.93% | 3.35% | 3.06% | -9 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 | 2.13% | 4.31% | 4.77% | 4.75% | 4.76% | 4.79% | 3.81% | 3.63% | -113 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.10% | 5.08% | 4.17% | 3.20% | 3.67% | 3.18% | 3.01% | 2.99% | -21 bps | |
| Net Worth / Assets | 7.10% | 5.08% | 4.17% | 3.20% | 3.67% | 3.18% | 3.01% | 2.99% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.47% | 89.69% | 90.43% | 88.67% | 89.87% | 90.41% | 84.98% | 81.37% | -731 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |