St. Paul Park, MN · Charter 64961
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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 Park, MN · Charter 64961
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.14% | -0.04% | -0.06% | -0.05% | -1.90% | -2.00% | -3.63% | -357 bps | |
| Return on Equity | 2.10% | 0.64% | -0.16% | -0.26% | -0.20% | -8.37% | -8.66% | -65.82% | -6,555 bps | |
| Net Interest Margin | 4.20% | 3.70% | 3.55% | 3.76% | 3.75% | 3.86% | 4.04% | 3.98% | +21 bps | |
| Efficiency Ratio | 90.74% | 93.39% | 95.36% | 95.88% | 101.99% | 106.14% | 112.03% | 154.53% | +5,865 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.10% | 12.84% | 12.00% | 9.35% | 1.59% | -9.38% | -11.46% | -8.63% | -1,798 bps | |
| Loan Growth (YoY) | -14.52% | -15.86% | -14.31% | -10.84% | -11.41% | -6.33% | -5.61% | -12.74% | -191 bps | |
| Share Growth (YoY) | -0.22% | 16.48% | 15.88% | 12.79% | 2.46% | -10.84% | -13.18% | 11.87% | -92 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.37% | 1.48% | 1.80% | 1.98% | 0.36% | 1.35% | 1.36% | 1.47% | -51 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 | 0.52% | 0.46% | 0.44% | 0.47% | 0.48% | 0.83% | 1.02% | 1.28% | +80 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.90% | 21.58% | 21.74% | 22.89% | 23.33% | 22.72% | 23.03% | 5.51% | -1,738 bps | |
| Net Worth / Assets | 23.90% | 21.58% | 21.74% | 22.89% | 23.33% | 22.72% | 23.03% | 5.51% | -1,738 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.75% | 61.56% | 60.47% | 64.71% | 62.90% | 64.68% | 65.74% | 50.48% | -1,424 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |