St Cloud, MN · Charter 63587
Q4 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 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.00% | 2.32% | 0.19% | -0.42% | -0.61% | -1.05% | -4.02% | -421 bps | |
| Return on Equity | 5.43% | 0.02% | 12.44% | 1.07% | -2.46% | -3.57% | -6.52% | -31.49% | -3,256 bps | |
| Net Interest Margin | 4.48% | 4.48% | 4.75% | 4.62% | 4.46% | 4.48% | 4.22% | 3.01% | -161 bps | |
| Efficiency Ratio | 54.33% | 59.09% | 54.75% | 54.81% | 54.76% | 53.21% | 59.00% | 88.05% | +3,323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.99% | 3.53% | 7.15% | 8.35% | 5.61% | 3.78% | 4.71% | 3.03% | -532 bps | |
| Loan Growth (YoY) | -1.59% | 0.87% | 3.25% | 1.02% | -9.06% | -15.83% | -13.71% | -15.79% | -1,681 bps | |
| Share Growth (YoY) | 0.97% | 4.36% | 7.83% | 11.31% | 8.77% | 5.16% | 7.67% | 9.40% | -191 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.56% | 5.29% | 5.39% | 5.54% | 4.06% | 2.21% | 1.07% | 1.04% | -450 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 | 0.40% | 1.64% | 1.50% | 0.33% | 2.14% | 1.05% | 2.54% | 6.60% | +627 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.61% | 18.55% | 18.69% | 17.88% | 17.26% | 17.12% | 16.07% | 12.76% | -512 bps | |
| Net Worth / Assets | 19.61% | 18.55% | 18.69% | 17.88% | 17.26% | 17.12% | 16.07% | 12.76% | -512 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.96% | 90.46% | 86.55% | 82.28% | 76.89% | 72.40% | 69.36% | 63.33% | -1,895 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |