Eden Prairie, MN · Cert 33244
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 | 1.62% | 1.56% | 1.49% | 1.37% | 1.33% | 1.35% | 1.43% | 0.35% | -102 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 15.15% | 15.06% | 15.79% | 2.66% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.09% | 4.97% | 4.71% | 4.59% | 1.33% | -376 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 55.39% | 55.66% | 55.30% | 50.53% | 50.73% | -465 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.66% | 2.61% | 2.43% | 2.13% | 0.70% | -196 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.73% | 31.37% | 21.43% | 20.78% | 6.08% | 11.81% | 17.56% | 14.56% | -622 bps | |
| Loan Growth (YoY) | 29.62% | 30.53% | 23.67% | 18.18% | 18.63% | 13.92% | 17.71% | 10.14% | -804 bps | |
| Deposit Growth (YoY) | 48.47% | 24.16% | 19.26% | 18.94% | 6.55% | 17.03% | 17.45% | 4.28% | -1,466 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 | 0.02% | 0.00% | 0.06% | 0.15% | -0.12% | -14 bps | |
| Allowance / Loans | n/a | n/a | n/a | 1.59% | 1.57% | 1.57% | 1.50% | 1.74% | +16 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 | 11.23% | 10.79% | 11.08% | 10.76% | 7.99% | -323 bps | |
| Equity / Assets | n/a | n/a | n/a | 8.54% | 8.97% | 8.93% | 9.16% | 16.98% | +844 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.30% | 95.90% | 97.07% | 90.31% | 93.86% | 93.35% | 97.29% | 95.38% | +508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 5.10% | 1.80% | 4.43% | 0.09% | 0.00% | -510 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |