St. Paul, MN · Charter 62914
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.92% | 0.47% | 0.47% | 0.50% | 0.51% | 0.22% | 0.43% | -4 bps | |
| Return on Equity | 6.43% | 6.66% | 3.44% | 3.43% | 3.48% | 3.57% | 1.52% | 2.88% | -56 bps | |
| Net Interest Margin | 4.54% | 4.56% | 4.47% | 4.46% | 4.63% | 4.54% | 4.49% | 4.78% | +32 bps | |
| Efficiency Ratio | 82.01% | 81.38% | 88.48% | 89.39% | 87.90% | 87.50% | 91.25% | 87.37% | -202 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.58% | -4.99% | -3.23% | 2.24% | -0.96% | 0.99% | 0.75% | -4.85% | -709 bps | |
| Loan Growth (YoY) | 5.71% | 4.57% | 5.09% | 0.75% | -3.38% | -2.45% | -4.23% | -1.90% | -265 bps | |
| Share Growth (YoY) | -8.42% | -6.74% | -4.71% | 1.83% | -1.95% | 0.45% | 0.39% | -6.20% | -803 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.14% | 0.74% | 0.14% | 0.18% | 0.04% | 0.49% | 0.85% | +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 | 0.20% | 0.21% | 0.21% | 0.22% | 0.28% | 0.21% | 0.30% | 0.38% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.51% | 13.81% | 13.77% | 13.71% | 14.29% | 14.18% | 14.10% | 14.93% | +121 bps | |
| Net Worth / Assets | 13.51% | 13.81% | 13.77% | 13.71% | 14.29% | 14.18% | 14.10% | 14.93% | +121 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.62% | 99.30% | 96.96% | 93.08% | 96.19% | 96.43% | 92.50% | 97.35% | +427 bps | |
| Liquid Assets / Assets | 7.35% | 6.09% | 9.58% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |