Minneapolis, MN · Charter 24689
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 24689
Q3 2012
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.89% | 0.55% | 1.03% | -1.50% | -0.33% | 0.26% | 0.34% | -68 bps | |
| Return on Equity | 7.85% | 34.05% | 20.53% | 34.22% | -115.73% | -26.98% | 17.91% | 21.06% | -1,316 bps | |
| Net Interest Margin | 1.89% | 3.25% | 3.18% | 3.07% | 3.25% | 3.46% | 3.71% | 3.91% | +84 bps | |
| Efficiency Ratio | 48.99% | 53.35% | 57.16% | 52.01% | 56.22% | 52.37% | 49.61% | 53.92% | +192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.16% | 27.96% | 22.38% | 23.82% | -7.01% | -5.08% | -7.50% | -12.86% | -3,668 bps | |
| Loan Growth (YoY) | 16.89% | 22.69% | 22.01% | 29.69% | -1.04% | -1.99% | -1.25% | -7.14% | -3,683 bps | |
| Share Growth (YoY) | 34.66% | 28.60% | 22.21% | 24.51% | -5.25% | -2.60% | -5.19% | -11.41% | -3,592 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.75% | 3.46% | 3.42% | 6.90% | 1.30% | 1.30% | 0.04% | 0.00% | -690 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 | 0.55% | 0.98% | 1.28% | 1.23% | 1.34% | 1.93% | 2.18% | 1.96% | +73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.38% | 2.62% | 2.67% | 3.00% | 1.30% | 1.23% | 1.48% | 1.63% | -137 bps | |
| Net Worth / Assets | 3.38% | 2.62% | 2.67% | 3.00% | 1.30% | 1.23% | 1.48% | 1.63% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.38% | 88.34% | 89.40% | 87.71% | 88.12% | 88.90% | 93.11% | 91.93% | +422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 95.76% | 0.00% | 0.00% | 0.00% | 0.00% | -9,576 bps | |