Richfield, MN · Cert 16538
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.59% | 1.44% | 1.92% | 2.11% | 2.83% | 2.34% | 0.36% | -155 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 26.25% | 33.51% | 28.51% | 2.56% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.48% | 4.54% | 4.76% | 5.21% | 1.23% | -325 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 62.67% | 65.01% | 56.87% | 63.28% | 57.96% | -471 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.44% | 2.53% | 2.18% | 2.84% | 0.73% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.75% | 17.72% | 15.09% | 6.51% | 4.22% | 4.05% | -3.14% | 13.64% | +713 bps | |
| Loan Growth (YoY) | 23.37% | 21.16% | 22.84% | 13.35% | 3.11% | -3.07% | -10.27% | -15.10% | -2,844 bps | |
| Deposit Growth (YoY) | 28.04% | 15.11% | 16.91% | 3.23% | -2.42% | 1.77% | -2.41% | 4.79% | +156 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 | 0.50% | 0.23% | 0.16% | -0.06% | -0.03% | -53 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.05% | 1.10% | 1.12% | 1.17% | 1.75% | +70 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 | 10.63% | 10.67% | 11.81% | 10.73% | 9.24% | -140 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.04% | 8.05% | 8.86% | 7.54% | 20.10% | +1,206 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.97% | 89.72% | 89.09% | 96.24% | 89.79% | 85.45% | 81.92% | 77.98% | -1,827 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.96% | 2.07% | 2.12% | 2.33% | 0.00% | -196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |