Minneapolis, MN · Charter 60722
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.09% | -0.13% | -1.57% | 0.13% | 0.09% | 0.05% | -1.96% | -39 bps | |
| Return on Equity | 0.05% | -0.87% | -1.41% | -18.37% | 1.61% | 1.22% | 0.70% | -30.27% | -1,190 bps | |
| Net Interest Margin | 3.38% | 3.40% | 3.50% | 3.59% | 3.31% | 3.10% | 3.14% | 3.14% | -45 bps | |
| Efficiency Ratio | 99.50% | 95.04% | 81.88% | 126.11% | 96.33% | 90.46% | 98.33% | 161.45% | +3,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.14% | 7.19% | 8.19% | 5.57% | 10.05% | 15.78% | 12.77% | 15.84% | +1,027 bps | |
| Loan Growth (YoY) | -0.65% | 2.82% | 0.51% | 6.17% | -0.77% | -8.81% | -10.72% | -9.96% | -1,612 bps | |
| Share Growth (YoY) | 9.20% | 7.88% | 10.13% | 8.02% | 12.97% | 19.29% | 14.94% | 18.30% | +1,027 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.59% | 1.57% | 0.04% | 0.21% | 0.65% | 0.00% | 0.52% | 0.39% | +18 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 | 0.22% | 0.23% | 1.09% | 0.36% | 0.38% | 0.42% | 0.44% | 0.44% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.26% | 9.88% | 9.44% | 8.57% | 7.91% | 7.31% | 7.60% | 6.49% | -208 bps | |
| Net Worth / Assets | 10.26% | 9.88% | 9.44% | 8.57% | 7.91% | 7.31% | 7.60% | 6.49% | -208 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.04% | 72.16% | 70.12% | 71.23% | 63.27% | 55.17% | 54.47% | 54.22% | -1,701 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |