Duluth, MN · Charter 24586
Q2 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.87% | 4.20% | 4.05% | 3.97% | 0.69% | 0.54% | 0.53% | 0.53% | -345 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 4.82% | 4.79% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 2.95% | 2.84% | 3.02% | 2.76% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 74.41% | 80.85% | 82.62% | 80.96% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -8.55% | -9.52% | 1.58% | -4.66% | -11.98% | -9.13% | +39 bps | |
| Loan Growth (YoY) | n/a | n/a | 9.84% | 15.55% | 12.15% | -2.63% | 6.60% | -5.56% | -2,112 bps | |
| Share Growth (YoY) | n/a | n/a | -9.73% | -10.94% | 0.59% | -6.19% | -14.39% | -11.29% | -34 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 0.50% | 1.07% | 1.15% | 3.25% | 1.57% | 2.83% | 0.59% | -55 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 | 0.32% | 0.42% | 0.43% | 0.43% | 0.44% | 0.47% | 0.43% | 0.32% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 10.90% | 10.98% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 10.90% | 10.98% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.22% | 70.90% | 68.57% | 74.62% | 73.83% | 73.59% | 85.38% | 79.43% | +481 bps | |
| Liquid Assets / Assets | 31.78% | 26.49% | 32.38% | 29.82% | 24.78% | 26.10% | 21.95% | 27.33% | -249 bps | |