St Paul, MN · Charter 24357
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 | 3.20% | 3.01% | 2.73% | 0.34% | 0.40% | 0.19% | 0.00% | -1.95% | -229 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.63% | 0.03% | -38.42% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.24% | 4.49% | 4.38% | 4.15% | 2.06% | -218 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 89.28% | 90.14% | 95.18% | 98.00% | 167.75% | +7,847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.48% | 3.23% | 9.28% | 3.27% | 0.72% | -2.11% | -9.74% | -2.92% | -620 bps | |
| Loan Growth (YoY) | -0.03% | -7.14% | 3.95% | 5.39% | 2.75% | 1.00% | -13.86% | -22.27% | -2,766 bps | |
| Share Growth (YoY) | 2.41% | 7.52% | 9.56% | 2.27% | -0.62% | -6.99% | -11.61% | -1.26% | -353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 0.83% | 0.49% | 0.40% | 0.40% | 0.51% | 0.59% | 0.28% | -12 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 | 0.58% | 0.60% | 0.56% | 0.51% | 0.49% | 0.35% | 0.43% | 0.39% | -12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.06% | 7.35% | 5.07% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.06% | 7.35% | 5.07% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.97% | 84.50% | 84.50% | 89.47% | 89.91% | 91.75% | 82.35% | 70.44% | -1,904 bps | |
| Liquid Assets / Assets | 11.45% | 12.67% | 5.11% | 0.59% | 2.17% | 6.41% | 16.28% | 23.35% | +2,276 bps | |