St. Paul, MN · Charter 62496
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.30% | -0.99% | -1.36% | -1.30% | -1.11% | -1.30% | -1.42% | -0.88% | +42 bps | |
| Return on Equity | -7.27% | -5.93% | -8.03% | -7.74% | -6.58% | -7.52% | -7.65% | -4.46% | +328 bps | |
| Net Interest Margin | 1.60% | 1.84% | 2.20% | 3.01% | 2.76% | 2.68% | 2.90% | 3.30% | +29 bps | |
| Efficiency Ratio | 180.95% | 153.82% | 155.52% | 143.20% | 133.42% | 141.90% | 141.87% | 121.83% | -2,136 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.76% | 8.56% | 3.60% | 5.43% | -2.45% | -11.62% | -14.96% | -20.44% | -2,587 bps | |
| Loan Growth (YoY) | 57.74% | 102.87% | 102.84% | 55.61% | 21.62% | -28.69% | -43.20% | -41.11% | -9,672 bps | |
| Share Growth (YoY) | -0.44% | 12.11% | 6.56% | 8.51% | -1.31% | -12.21% | -17.01% | -23.52% | -3,203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.29% | 0.99% | 1.07% | 1.22% | 1.37% | 1.73% | 2.34% | 2.49% | +127 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.82% | 16.68% | 16.94% | 16.79% | 16.95% | 17.27% | 18.51% | 19.68% | +288 bps | |
| Net Worth / Assets | 17.82% | 16.68% | 16.94% | 16.79% | 16.95% | 17.27% | 18.51% | 19.68% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.26% | 78.97% | 81.33% | 76.39% | 74.25% | 64.14% | 55.67% | 58.82% | -1,757 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |