PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Commercial STB of Minnesota

St. Paul, MN · Cert 9771

FDIC

Q2 1996

$275.3MAssets
$180.0MLoans
$233.3MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.95%, up 18 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.17% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

1.95%+18 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets1.18%1.27%1.62%1.77%1.79%1.51%1.94%1.95%+18 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a-7.24%-4.34%-3.72%20.72%18.73%17.02%+2,136 bps
Loan Growth (YoY)n/an/a5.70%8.50%4.72%14.61%10.17%3.12%-538 bps
Deposit Growth (YoY)n/an/a-5.63%-4.17%-2.88%23.24%16.50%16.67%+2,083 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits77.80%81.30%83.00%87.30%83.89%75.60%78.49%77.17%-1,013 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a