St Paul, MN · Charter 60102
Q4 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.42% | -0.09% | -0.19% | 0.25% | -0.09% | 0.08% | 0.03% | +22 bps | |
| Return on Equity | -6.31% | -5.54% | -1.12% | -2.60% | 3.44% | -1.26% | 1.18% | 0.36% | +296 bps | |
| Net Interest Margin | 3.49% | 3.46% | 3.40% | 3.33% | 3.20% | 3.12% | 3.07% | 3.09% | -25 bps | |
| Efficiency Ratio | 102.60% | 102.32% | 100.49% | 97.85% | 100.04% | 99.52% | 96.15% | 97.21% | -64 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | -0.27% | 1.89% | 7.09% | 6.08% | 6.74% | 5.93% | 2.16% | -493 bps | |
| Loan Growth (YoY) | -13.45% | -9.68% | -8.65% | -9.13% | -4.42% | -6.41% | -5.35% | -13.23% | -409 bps | |
| Share Growth (YoY) | 7.97% | 0.17% | 3.24% | 8.39% | 6.84% | 7.64% | 6.46% | 2.50% | -590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 2.01% | 2.82% | 5.24% | 2.69% | 0.84% | 1.33% | 1.42% | -382 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 | 1.99% | 2.11% | 1.83% | 2.04% | 2.02% | 1.17% | 1.20% | 1.31% | -73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.71% | 7.62% | 7.70% | 7.45% | 7.26% | 7.11% | 7.21% | 7.32% | -13 bps | |
| Net Worth / Assets | 7.71% | 7.62% | 7.70% | 7.45% | 7.26% | 7.11% | 7.21% | 7.32% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.95% | 56.19% | 54.39% | 55.86% | 50.95% | 48.86% | 48.36% | 47.29% | -857 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |