Minneapolis, MN · Charter 24352
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.92% | 3.68% | 4.05% | 1.14% | 0.65% | 0.91% | 0.64% | 0.73% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 9.52% | 6.76% | 8.73% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.81% | 4.47% | 4.42% | 3.87% | 3.16% | -165 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 74.79% | 82.53% | 79.24% | 85.88% | 87.64% | +1,285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.78% | 9.84% | 1.68% | 4.64% | 5.36% | 6.36% | 12.93% | 27.86% | +2,322 bps | |
| Loan Growth (YoY) | 5.54% | 7.72% | 6.23% | 6.76% | 11.38% | 5.94% | -2.47% | -9.15% | -1,592 bps | |
| Share Growth (YoY) | 9.80% | 8.31% | -0.77% | 2.37% | 4.57% | 4.54% | 12.37% | 28.45% | +2,608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.62% | 0.82% | 0.65% | 0.42% | 0.52% | 0.52% | 0.70% | +5 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 | 1.38% | 1.36% | 1.44% | 1.42% | 1.38% | 1.30% | 1.32% | 0.82% | -60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.51% | 9.54% | 8.38% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.51% | 9.54% | 8.38% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.81% | 89.14% | 93.89% | 87.53% | 90.34% | 90.33% | 81.49% | 61.90% | -2,562 bps | |
| Liquid Assets / Assets | 11.49% | 10.44% | 9.03% | 7.62% | 8.62% | 14.83% | 21.23% | 29.70% | +2,208 bps | |