St. Paul, MN · Charter 61723
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 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.
St. Paul, MN · Charter 61723
Q1 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | 0.25% | -3.66% | -3.61% | -3.36% | -1.39% | -0.48% | -1.50% | +211 bps | |
| Return on Equity | -29.29% | 3.14% | -59.20% | -64.30% | -65.74% | -28.86% | -9.47% | -73.43% | -913 bps | |
| Net Interest Margin | 4.10% | 4.17% | 4.26% | 4.58% | 4.69% | 4.83% | 5.07% | 4.27% | -31 bps | |
| Efficiency Ratio | 81.88% | 80.71% | 68.24% | 87.33% | 86.65% | 81.26% | 70.04% | 111.88% | +2,455 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.32% | -2.31% | -5.18% | -6.13% | -6.04% | -9.03% | -10.12% | -7.56% | -143 bps | |
| Loan Growth (YoY) | -5.24% | 0.54% | 5.79% | 2.70% | 1.07% | -3.85% | -12.58% | -21.12% | -2,382 bps | |
| Share Growth (YoY) | 4.79% | -0.19% | -1.41% | -1.67% | -0.21% | -3.50% | -6.36% | -1.32% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.53% | 3.56% | 3.80% | 2.75% | 2.70% | 2.91% | 3.45% | 4.83% | +208 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 | 2.27% | 2.42% | 4.40% | 3.30% | 3.76% | 4.45% | 5.03% | 4.99% | +169 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.96% | 7.86% | 6.18% | 5.61% | 5.11% | 4.82% | 5.02% | 2.04% | -357 bps | |
| Net Worth / Assets | 7.96% | 7.86% | 6.18% | 5.61% | 5.11% | 4.82% | 5.02% | 2.04% | -357 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.40% | 86.26% | 89.93% | 92.04% | 88.52% | 85.95% | 83.96% | 73.57% | -1,847 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |