Circle Pines, MN · Charter 5706
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Circle Pines, MN · Charter 5706
Q4 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 0.87% | 0.86% | 0.71% | -0.02% | -118 bps | |
| Return on Equity | 12.59% | 9.73% | 9.75% | 8.19% | -0.21% | -1,280 bps | |
| Net Interest Margin | 3.84% | 4.19% | 3.95% | 3.94% | 3.58% | -27 bps | |
| Efficiency Ratio | 79.75% | 83.88% | 81.90% | 81.44% | 89.77% | +1,002 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 8.64% | 9.60% | 10.98% | 15.52% | +1,318 bps | |
| Loan Growth (YoY) | 14.21% | 10.89% | 3.92% | 2.52% | 1.55% | -1,266 bps | |
| Share Growth (YoY) | 3.39% | 7.55% | 14.98% | 16.08% | 20.32% | +1,694 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.64% | 1.35% | 0.96% | 2.35% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.37% | 0.45% | 0.62% | 0.66% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.23% | 8.90% | 8.80% | 8.71% | 7.98% | -126 bps | |
| Net Worth / Assets | 9.23% | 8.90% | 8.80% | 8.71% | 7.98% | -126 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.52% | 79.67% | 78.37% | 78.36% | 76.40% | -1,412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 97.25% | +9,725 bps | |