PackageTrendsPeer
Letter portraitLegal landscape

Park Schools

St Louis Park, MN · Charter 60998

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Park Schools

St Louis Park, MN · Charter 60998

Q1 2013

$8.5MAssets
$2.9MLoans
$7.5MShares
$906KNet Worth

Executive Summary

  • Earnings: ROA of -8.12%, down 692 bps year over year; NIM at 2.24%.
  • Asset quality: problem loans at 2.84% of loans (+12 bps YoY).
  • Capital: net worth / assets of 10.70%, down 335 bps from a year ago.
  • Funding: loans stand at 39.20% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

-8.12%-692 bps YoY

Net Interest Margin (YTD, annualized)

2.24%-28 bps YoY

Efficiency Ratio (YTD, annualized)

369%+22,358 bps YoY

Net Worth / Assets

10.70%-335 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.60%-1.92%-1.67%-1.20%-1.35%-1.39%-1.67%-8.12%-692 bps
Return on Equity-3.99%-13.12%-11.31%-8.53%-10.26%-10.66%-13.20%-75.84%-6,731 bps
Net Interest Margin2.76%2.76%2.79%2.52%2.29%2.40%2.43%2.24%-28 bps
Efficiency Ratio118.32%146.55%143.86%145.04%141.90%146.30%149.76%369%+22,358 bps
Growth
Asset Growth (YoY)0.67%-0.56%-1.64%-0.24%3.98%2.83%2.89%-0.60%-36 bps
Loan Growth (YoY)-19.58%-13.95%-5.42%3.67%3.33%2.70%2.57%-1.74%-541 bps
Share Growth (YoY)3.43%2.27%0.66%1.99%6.28%4.81%5.43%1.87%-12 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%2.71%2.70%5.27%2.74%2.84%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.47%2.39%2.29%2.27%2.74%2.64%2.41%3.79%+152 bps
Capital
Risk-Based Capital15.06%14.63%14.78%14.05%13.18%13.00%12.69%10.70%-335 bps
Net Worth / Assets15.06%14.63%14.78%14.05%13.18%13.00%12.69%10.70%-335 bps
Liquidity & Funding
Loans / Shares40.30%41.36%41.82%40.64%39.18%40.53%40.68%39.20%-144 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps