Minneapolis, MN · Charter 65541
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 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.
Minneapolis, MN · Charter 65541
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.68% | 0.52% | 0.51% | 1.45% | 0.61% | 1.04% | 0.62% | +11 bps | |
| Return on Equity | 3.00% | 3.62% | 2.89% | 2.83% | 7.90% | 3.07% | 4.98% | 2.98% | +14 bps | |
| Net Interest Margin | 2.78% | 3.03% | 2.80% | 2.67% | 4.05% | 3.39% | 4.00% | 3.42% | +75 bps | |
| Efficiency Ratio | 80.76% | 77.64% | 81.32% | 80.90% | 64.07% | 82.13% | 73.91% | 81.96% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.21% | -8.87% | -7.98% | 1.41% | -0.77% | -2.98% | -9.49% | -10.41% | -1,182 bps | |
| Loan Growth (YoY) | 17.71% | 0.49% | 7.01% | 4.87% | -18.53% | 8.21% | 15.90% | 4.36% | -51 bps | |
| Share Growth (YoY) | -9.86% | -10.82% | -9.70% | 0.82% | -1.82% | -4.56% | -12.35% | -13.05% | -1,387 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 7.56% | 1.45% | 20.64% | 15.09% | 2.33% | 0.52% | 0.00% | -2,064 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 | 2.70% | 3.02% | 3.05% | 2.98% | 3.31% | 2.79% | 1.38% | 1.49% | -148 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.82% | 18.67% | 18.11% | 18.01% | 18.42% | 19.75% | 20.93% | 20.72% | +271 bps | |
| Net Worth / Assets | 17.82% | 18.67% | 18.11% | 18.01% | 18.42% | 19.75% | 20.93% | 20.72% | +271 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.95% | 65.27% | 62.28% | 62.83% | 58.05% | 74.01% | 82.35% | 75.41% | +1,258 bps | |
| Liquid Assets / Assets | 42.45% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |