St Paul, MN · Charter 24633
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 24633
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.89% | -0.98% | 0.00% | 0.31% | 3.75% | 4.49% | -2.98% | -2.74% | -305 bps | |
| Return on Equity | -21.13% | -25.15% | 0.00% | 9.12% | 58.23% | 39.04% | -25.44% | -24.46% | -3,358 bps | |
| Net Interest Margin | 1.15% | 1.23% | 0.95% | 0.81% | 0.83% | 1.42% | 1.38% | 1.23% | +41 bps | |
| Efficiency Ratio | 168.20% | 170.08% | 99.60% | 82.15% | 32.36% | 39.13% | 401% | 362% | +27,978 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1575% | 2499% | 0.46% | 20.61% | 12.72% | -41.54% | -40.91% | -52.35% | -7,296 bps | |
| Loan Growth (YoY) | 331100% | 296100% | n/a | -27.23% | -30.30% | 303% | 215% | 371% | +39,858 bps | |
| Share Growth (YoY) | 1517% | 40656500% | 1.72% | 21.66% | 10.06% | -46.61% | -45.65% | -56.20% | -7,786 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 7.80% | 0.00% | 24.31% | +2,431 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 | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 18.84% | 19.77% | 18.39% | +1,739 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.19% | 3.91% | 4.01% | 3.42% | 6.44% | 11.50% | 11.71% | 11.21% | +779 bps | |
| Net Worth / Assets | 4.19% | 3.91% | 4.01% | 3.42% | 6.44% | 11.50% | 11.71% | 11.21% | +779 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 0.82% | 0.73% | 0.91% | 0.53% | 0.52% | 5.50% | 5.28% | 5.71% | +518 bps | |
| Liquid Assets / Assets | 97.96% | 98.25% | 97.40% | 98.35% | 93.33% | 91.15% | 92.44% | 93.05% | -529 bps | |