Gaylord, MN · Cert 1400
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Gaylord, MN · Cert 1400
FDIC
Q1 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.96% | 0.71% | 0.14% | 0.66% | 0.63% | 0.65% | 1.04% | +90 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 12.39% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.24% | 3.61% | 3.53% | 3.62% | 3.77% | +53 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 94.10% | 81.83% | 78.07% | 73.45% | 57.56% | -3,655 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 3.03% | 2.89% | 2.68% | 2.56% | 1.92% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.33% | 11.46% | 2.10% | 6.84% | 0.34% | 4.82% | 4.60% | 3.50% | -334 bps | |
| Loan Growth (YoY) | 15.84% | 11.89% | 8.86% | 5.84% | 1.93% | 8.55% | 6.76% | 2.66% | -318 bps | |
| Deposit Growth (YoY) | 21.50% | 17.56% | 6.69% | 14.10% | 2.27% | 4.28% | 2.18% | 1.30% | -1,280 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 | n/a | n/a | n/a | 0.23% | 0.37% | 0.59% | 0.58% | 0.15% | -8 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.79% | 1.67% | 1.41% | 1.59% | 1.69% | -10 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 | n/a | n/a | n/a | 12.08% | 12.40% | 12.44% | 12.52% | 12.02% | -6 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.42% | 8.66% | 8.48% | 8.43% | 8.37% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.09% | 96.36% | 94.48% | 97.45% | 99.76% | 100.30% | 98.72% | 98.77% | +131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.04% | 0.16% | 0.08% | 0.37% | 0.34% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |