St Louis Park, MN · Charter 63649
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 Louis Park, MN · Charter 63649
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.01% | 0.00% | 0.26% | 0.14% | -0.40% | -0.50% | -22.74% | -2,300 bps | |
| Return on Equity | 2.18% | -0.03% | -0.02% | 1.18% | 0.61% | -1.63% | -2.03% | -109.96% | -11,114 bps | |
| Net Interest Margin | 5.96% | 6.02% | 6.29% | 5.84% | 6.46% | 6.88% | 7.04% | -2.60% | -844 bps | |
| Efficiency Ratio | 92.48% | 100.11% | 100.07% | 95.59% | 97.87% | 105.71% | 107.10% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.33% | -27.30% | -22.85% | -20.23% | -10.03% | -13.04% | -12.54% | -18.23% | +200 bps | |
| Loan Growth (YoY) | -1.06% | 2.55% | 3.14% | 5.04% | 2.47% | -4.77% | -8.36% | -23.46% | -2,849 bps | |
| Share Growth (YoY) | -30.19% | -32.53% | -27.71% | -24.74% | -12.58% | -16.46% | -15.81% | -15.82% | +892 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.15% | 1.87% | 3.61% | 2.79% | 1.73% | 1.39% | 3.06% | 3.40% | +61 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 | 0.56% | 0.56% | 0.55% | 0.54% | 0.55% | 0.59% | 0.60% | 3.01% | +247 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.79% | 21.49% | 22.17% | 22.06% | 22.92% | 24.42% | 24.84% | 20.68% | -138 bps | |
| Net Worth / Assets | 20.79% | 21.49% | 22.17% | 22.06% | 22.92% | 24.42% | 24.84% | 20.68% | -138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.27% | 101.86% | 107.70% | 108.65% | 112.85% | 116.11% | 117.23% | 98.79% | -986 bps | |
| Liquid Assets / Assets | 22.48% | 18.75% | 15.07% | 14.69% | 0.00% | 0.00% | 0.00% | 0.00% | -1,469 bps | |