Minneapolis, MN · Charter 24651
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.59% | -0.15% | -0.66% | -1.08% | -1.08% | -0.72% | -0.99% | -1.90% | -83 bps | |
| Return on Equity | -6.92% | -0.64% | -2.66% | -4.38% | -4.87% | -3.22% | -4.30% | -8.16% | -378 bps | |
| Net Interest Margin | 5.47% | 5.08% | 5.57% | 5.43% | 4.92% | 4.95% | 4.72% | 4.49% | -94 bps | |
| Efficiency Ratio | 107.09% | 102.89% | 111.61% | 112.08% | 115.89% | 114.10% | 123.67% | 141.48% | +2,940 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.40% | 0.42% | -9.32% | -12.00% | -1.19% | -2.20% | 2.10% | -2.31% | +969 bps | |
| Loan Growth (YoY) | -16.85% | -18.55% | -15.56% | -8.96% | 5.47% | 0.40% | 8.74% | -1.75% | +721 bps | |
| Share Growth (YoY) | 17.02% | 2.91% | -10.19% | -13.09% | -0.18% | -1.28% | 4.61% | -0.77% | +1,233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 2.98% | 2.41% | 2.29% | 0.00% | 0.00% | 0.26% | 2.45% | +16 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 | 0.26% | 0.25% | 0.27% | 0.71% | 0.68% | 0.70% | 0.71% | 0.67% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.98% | 23.14% | 24.94% | 24.56% | 22.18% | 22.42% | 23.10% | 23.33% | -123 bps | |
| Net Worth / Assets | 22.98% | 23.14% | 24.94% | 24.56% | 22.18% | 22.42% | 23.10% | 23.33% | -123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.94% | 81.21% | 85.46% | 89.19% | 82.35% | 82.60% | 88.83% | 88.31% | -89 bps | |
| Liquid Assets / Assets | 38.29% | 35.86% | 31.17% | 7.87% | 17.20% | 16.87% | 19.03% | 29.37% | +2,151 bps | |