St Louis Park, MN · Charter 60998
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.76% | 2.76% | 2.79% | 2.52% | 2.29% | 2.40% | 2.43% | 2.24% | -28 bps | |
| Efficiency Ratio | 118.32% | 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 / Loans | 0.00% | 0.00% | 0.00% | 2.71% | 2.70% | 5.27% | 2.74% | 2.84% | +12 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 | 2.47% | 2.39% | 2.29% | 2.27% | 2.74% | 2.64% | 2.41% | 3.79% | +152 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.06% | 14.63% | 14.78% | 14.05% | 13.18% | 13.00% | 12.69% | 10.70% | -335 bps | |
| Net Worth / Assets | 15.06% | 14.63% | 14.78% | 14.05% | 13.18% | 13.00% | 12.69% | 10.70% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.30% | 41.36% | 41.82% | 40.64% | 39.18% | 40.53% | 40.68% | 39.20% | -144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |