La Crescent, MN · Cert 11600
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.81% | -2.94% | -2.95% | -2.79% | -2.58% | -2.82% | -3.40% | -5.58% | -279 bps | |
| Return on Equity | -7.07% | -11.08% | -11.13% | -10.19% | -9.95% | -12.68% | -17.69% | -33.90% | -2,370 bps | |
| Net Interest Margin | 3.11% | 2.84% | 3.74% | 4.47% | 3.84% | 2.78% | 1.90% | 0.73% | -374 bps | |
| Efficiency Ratio | 161.76% | 212% | 192.86% | 154.44% | 170.51% | 204% | 281% | 470% | +31,556 bps | |
| Non-Interest Burden | 5.61% | 7.06% | 8.16% | 7.42% | 7.54% | 7.16% | 7.10% | 6.49% | -93 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.70% | -6.31% | -7.72% | -20.72% | -0.16% | 13.20% | 30.60% | 52.44% | +7,316 bps | |
| Loan Growth (YoY) | 7.08% | -3.98% | 13.46% | -1.39% | -0.34% | -1.70% | -28.23% | -49.30% | -4,791 bps | |
| Deposit Growth (YoY) | -0.62% | -6.49% | -17.08% | -23.63% | 4.83% | 22.49% | 63.89% | 79.46% | +10,309 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.98% | 1.13% | 1.08% | 1.46% | 1.53% | 1.69% | 2.05% | 3.06% | +160 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 49.25% | 50.58% | 45.16% | 45.34% | 41.40% | 40.23% | 42.22% | 47.43% | +209 bps | |
| Equity / Assets | 26.80% | 26.26% | 26.80% | 27.98% | 24.08% | 20.61% | 17.92% | 15.14% | -1,284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.04% | 69.87% | 93.36% | 86.50% | 73.24% | 56.07% | 40.88% | 24.44% | -6,206 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |