Minneapolis, MN · Charter 60381
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 60381
Q3 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.25% | 0.07% | 0.33% | 0.11% | -0.21% | -0.07% | -0.22% | -55 bps | |
| Return on Equity | -0.49% | -1.59% | 0.43% | 1.97% | 0.66% | -1.25% | -0.40% | -1.35% | -332 bps | |
| Net Interest Margin | 2.50% | 2.51% | 2.54% | 2.57% | 2.49% | 2.49% | 2.48% | 2.49% | -8 bps | |
| Efficiency Ratio | 101.53% | 76.54% | 74.20% | 87.67% | 90.05% | 101.60% | 98.89% | 103.62% | +1,595 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.92% | 0.04% | 1.67% | -0.16% | 0.27% | -4.38% | -1.38% | -1.43% | -127 bps | |
| Loan Growth (YoY) | 11.92% | 4.35% | 1.90% | -6.62% | -5.31% | -2.40% | -1.77% | 5.19% | +1,181 bps | |
| Share Growth (YoY) | -2.75% | -0.03% | 2.06% | -0.12% | 0.21% | -5.46% | -2.39% | -2.13% | -201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.72% | 0.88% | 0.14% | 0.13% | 0.33% | 0.32% | 0.22% | +8 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 | 0.18% | 0.95% | 1.04% | 1.15% | 1.23% | 1.37% | 1.37% | 1.28% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.09% | 16.03% | 16.29% | 16.53% | 16.23% | 17.09% | 16.58% | 16.62% | +9 bps | |
| Net Worth / Assets | 16.09% | 16.03% | 16.29% | 16.53% | 16.23% | 17.09% | 16.58% | 16.62% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.48% | 39.78% | 40.45% | 38.78% | 38.25% | 41.07% | 40.71% | 41.68% | +290 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |