St Paul, MN · Charter 65397
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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, MN · Charter 65397
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.64% | 0.69% | 0.35% | 0.15% | 0.28% | 0.15% | -0.35% | -70 bps | |
| Return on Equity | 3.67% | 4.11% | 4.36% | 2.19% | 1.00% | 1.72% | 0.94% | -2.21% | -439 bps | |
| Net Interest Margin | 3.91% | 3.96% | 3.93% | 3.68% | 3.58% | 3.86% | 3.83% | 3.02% | -65 bps | |
| Efficiency Ratio | 73.68% | 72.23% | 72.74% | 82.76% | 84.46% | 78.96% | 79.96% | 111.06% | +2,829 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.50% | -4.42% | 1.36% | -0.37% | 3.38% | 0.10% | -1.19% | 1.03% | +140 bps | |
| Loan Growth (YoY) | 14.27% | 5.65% | 6.80% | 0.03% | 3.21% | 1.29% | -4.05% | -5.51% | -554 bps | |
| Share Growth (YoY) | -4.83% | -5.82% | 0.94% | -1.49% | 3.48% | -0.31% | -1.58% | 1.41% | +290 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.65% | 0.72% | 1.09% | 1.14% | 1.73% | 0.61% | 0.78% | -31 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 | 0.14% | 0.29% | 0.30% | 0.25% | 0.23% | 0.35% | 0.36% | 0.39% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.37% | 15.66% | 15.78% | 15.92% | 15.34% | 16.06% | 16.12% | 15.73% | -19 bps | |
| Net Worth / Assets | 15.37% | 15.66% | 15.78% | 15.92% | 15.34% | 16.06% | 16.12% | 15.73% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.45% | 100.93% | 99.98% | 97.86% | 100.19% | 102.54% | 97.47% | 91.18% | -668 bps | |
| Liquid Assets / Assets | 12.48% | 12.70% | 12.05% | 14.48% | 12.59% | 10.83% | 14.99% | 18.77% | +429 bps | |