Saint James Federal Savings & Loan Association

Saint James, MN · Cert 31071

FDIC · 1 branch

Q2 2015

$25.8MAssets

$17.8MLoans

$22.9MDeposits

$2.8MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.62%, up 53 bps year over year; NIM at 3.58%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.

Return on Assets (quarter, annualized)

0.62%+53 bps YoY

Net Interest Margin (quarter, annualized)

3.58%+5 bps YoY

Efficiency Ratio (quarter, annualized)

83.40%-1,383 bps YoY

Tier 1 Leverage Ratio

10.83%

Discrete quarter, annualized.

Metric	Q2 2014	Q3 2014	Q4 2014	Q1 2015	Q2 2015	YoY Δ	Trend
Earnings
Return on Assets	0.09%	0.24%	0.61%	0.47%	0.62%	+53 bps
Return on Equity	0.89%	2.37%	6.00%	4.62%	5.84%	+495 bps
Net Interest Margin	3.53%	3.69%	3.69%	3.50%	3.58%	+5 bps
Efficiency Ratio	97.24%	92.40%	76.49%	80.95%	83.40%	-1,383 bps
Non-Interest Burden	3.45%	3.40%	2.76%	2.79%	2.96%	-49 bps
Growth
Asset Growth (YoY)	-1.34%	-1.53%	1.51%	-6.17%	-4.51%	-318 bps
Loan Growth (YoY)	-1.53%	0.02%	1.59%	-6.43%	-2.42%	-89 bps
Deposit Growth (YoY)	-1.77%	-1.97%	1.31%	-7.21%	-5.56%	-379 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.00%	0.00%	0.23%	-0.07%	0.11%	+11 bps
Allowance / Loans	1.90%	1.88%	1.75%	1.93%	1.87%	-3 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	10.29%	10.83%	n/a
Total Risk-Based Capital	16.69%	16.80%	16.43%	17.50%	17.47%	+78 bps
Equity / Assets	9.99%	10.21%	10.12%	10.30%	10.97%	+98 bps
Liquidity & Funding
Loans / Deposits	74.94%	77.06%	78.02%	72.03%	77.44%	+250 bps
Liquid Assets / Assets	30.08%	27.59%	26.83%	26.86%	25.70%	-438 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a