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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
82%RE $12.0M9%C&I $1.3M9%Consumer $1.3MQ3 2013Q2 2015
Deposit mix
92%Interest-bearing $21.2M8%Noninterest $1.7MQ3 2013Q2 2015

Executive Summary

  • Earnings: ROA of 0.55%, up 26 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.83%.
  • Funding: loans stand at 77.44% of deposits as of Q2 2015.

Return on Assets (YTD, annualized)

0.55%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.61%+12 bps YoY

Efficiency Ratio (YTD, annualized)

82.16%-283 bps YoY

Tier 1 Leverage Ratio

10.83%

NIM

4.22%Q2 ’134.02%Q2 ’144.01%Q2 ’15+2%+4%

Non-interest income vs. expense

2.69%Q2 ’132.88%Q2 ’143.14%Q2 ’15+20%-2%

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets0.42%0.39%0.47%0.28%0.27%0.35%0.47%0.55%+26 bps
Return on Equity4.61%4.13%4.93%2.91%2.73%3.55%4.62%5.23%+233 bps
Net Interest Margin3.47%3.51%3.39%3.48%3.66%3.63%3.50%3.61%+12 bps
Efficiency Ratio77.48%78.27%74.61%84.99%87.55%84.56%80.95%82.16%-283 bps
Non-Interest Burden2.63%2.70%2.47%2.98%3.21%3.07%2.79%2.92%-5 bps
Growth
Asset Growth (YoY)-2.02%-8.76%-2.17%-1.34%-1.53%1.51%-6.17%-4.51%-318 bps
Loan Growth (YoY)-2.56%-5.19%0.25%-1.53%0.02%1.59%-6.43%-2.42%-89 bps
Deposit Growth (YoY)1.45%-9.94%-2.73%-1.77%-1.97%1.31%-7.21%-5.56%-379 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.22%0.00%0.00%0.00%0.06%-0.07%0.02%+2 bps
Allowance / Loans1.90%1.75%1.84%1.90%1.88%1.75%1.93%1.87%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/a10.29%10.83%n/a
Total Risk-Based Capital16.37%16.09%16.02%16.69%16.80%16.43%17.50%17.47%+78 bps
Equity / Assets9.78%9.92%9.33%9.99%10.21%10.12%10.30%10.97%+98 bps
Liquidity & Funding
Loans / Deposits75.52%77.81%71.43%74.94%77.06%78.02%72.03%77.44%+250 bps
Liquid Assets / Assets25.81%26.20%31.34%30.08%27.59%26.83%26.86%25.70%-438 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a