Minneapolis, MN · Charter 61015
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 0.94% | 0.07% | -0.62% | -4.07% | -4.12% | -5.58% | -8.13% | -751 bps | |
| Return on Equity | 10.67% | 10.62% | 0.79% | -7.80% | -55.85% | -63.64% | -134.47% | -24021% | -2,401,336 bps | |
| Net Interest Margin | 6.57% | 6.45% | 6.59% | 5.93% | 4.32% | 4.54% | 4.55% | 4.51% | -142 bps | |
| Efficiency Ratio | 82.12% | 82.22% | 81.29% | 83.43% | 102.24% | 103.35% | 96.65% | 95.90% | +1,247 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.43% | -8.15% | -8.85% | -5.52% | -7.95% | -6.47% | 0.29% | -2.99% | +254 bps | |
| Loan Growth (YoY) | 1.54% | -6.62% | -11.23% | -14.08% | -12.94% | -9.21% | 0.38% | 7.23% | +2,130 bps | |
| Share Growth (YoY) | -6.05% | -8.22% | -7.34% | -4.81% | -1.48% | -0.02% | -9.88% | -17.98% | -1,318 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.77% | 4.34% | 5.68% | 6.96% | 10.02% | 8.69% | 6.78% | 6.25% | -71 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 | 0.81% | 0.71% | 1.05% | 0.87% | 0.77% | 1.40% | 2.29% | 4.19% | +332 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.47% | 8.90% | 9.07% | 7.92% | 7.29% | 6.47% | 4.15% | 0.03% | -789 bps | |
| Net Worth / Assets | 8.47% | 8.90% | 9.07% | 7.92% | 7.29% | 6.47% | 4.15% | 0.03% | -789 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.96% | 108.66% | 104.57% | 93.80% | 97.17% | 98.67% | 116.48% | 122.64% | +2,883 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |