Brooklyn Center, MN · Charter 24666
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Brooklyn Center, MN · Charter 24666
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.24% | 0.22% | 0.77% | 0.55% | 0.50% | 0.01% | 0.00% | -76 bps | |
| Return on Equity | 2.29% | 1.57% | 1.45% | 4.87% | 3.47% | 3.20% | 0.08% | 0.01% | -486 bps | |
| Net Interest Margin | 3.60% | 3.70% | 3.64% | 3.78% | 3.71% | 3.63% | 3.45% | 3.63% | -15 bps | |
| Efficiency Ratio | 89.63% | 92.23% | 94.77% | 84.05% | 87.99% | 89.06% | 99.67% | 99.98% | +1,593 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.02% | -1.15% | -1.22% | -4.84% | -4.66% | -0.64% | -3.22% | -3.08% | +176 bps | |
| Loan Growth (YoY) | 6.70% | 11.97% | 14.60% | 16.50% | 12.71% | 7.19% | 5.31% | 1.48% | -1,501 bps | |
| Share Growth (YoY) | -2.56% | -2.14% | -2.72% | -6.57% | -3.94% | -3.56% | -3.58% | -3.22% | +335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.17% | 0.20% | 0.16% | 0.02% | 0.01% | 0.03% | 0.03% | -13 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 | 0.28% | 0.28% | 0.26% | 0.26% | 0.26% | 0.23% | 0.23% | 0.25% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.67% | 15.00% | 14.91% | 15.72% | 15.77% | 15.59% | 15.86% | 16.35% | +63 bps | |
| Net Worth / Assets | 14.67% | 15.00% | 14.91% | 15.72% | 15.77% | 15.59% | 15.86% | 16.35% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.50% | 94.02% | 94.48% | 101.00% | 105.02% | 104.51% | 103.20% | 105.91% | +491 bps | |
| Liquid Assets / Assets | 20.16% | 15.60% | 16.74% | 12.01% | 8.44% | 11.46% | 11.08% | 0.00% | -1,201 bps | |