Minneapolis, MN · Charter 64997
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Minneapolis, MN · Charter 64997
Q2 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.37% | -3.60% | -3.62% | -4.07% | -2.91% | -4.86% | -0.32% | -0.72% | +335 bps | |
| Return on Equity | -38.83% | -34.81% | -37.36% | -46.29% | -36.68% | -80.90% | -5.09% | -11.54% | +3,475 bps | |
| Net Interest Margin | 3.75% | 3.44% | 3.44% | 3.42% | 3.16% | 3.56% | 3.46% | 3.37% | -5 bps | |
| Efficiency Ratio | 94.04% | 99.05% | 113.88% | 124.23% | 106.14% | 114.06% | 108.35% | 118.84% | -539 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.40% | -0.29% | -2.99% | -4.77% | -2.61% | -14.12% | -18.74% | -17.71% | -1,295 bps | |
| Loan Growth (YoY) | -5.59% | -5.29% | -5.65% | -1.02% | -2.00% | -9.37% | -16.74% | -23.75% | -2,272 bps | |
| Share Growth (YoY) | -3.96% | 3.62% | 1.44% | -0.92% | 1.15% | -9.86% | -15.50% | -15.67% | -1,474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.59% | 2.60% | 4.52% | 9.79% | 6.01% | 2.69% | 1.13% | 2.45% | -734 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 | 6.51% | 3.21% | 4.19% | 5.17% | 5.67% | 6.45% | 6.53% | 6.86% | +169 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 10.34% | 9.70% | 8.78% | 7.94% | 6.01% | 6.34% | 6.20% | -258 bps | |
| Net Worth / Assets | 11.25% | 10.34% | 9.70% | 8.78% | 7.94% | 6.01% | 6.34% | 6.20% | -258 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.43% | 47.59% | 48.29% | 51.27% | 48.86% | 47.85% | 47.59% | 46.36% | -491 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |