Mendota Heights, MN · Cert 34971
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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 8.58% | 3.48% | -3.43% | -3.64% | 0.41% | -818 bps | |
| Return on Equity | n/a | 3.48% | -3.44% | -3.66% | 0.41% | n/a | |
| Net Interest Margin | 5.86% | 6.96% | 4.69% | 3.26% | 5.10% | -76 bps | |
| Efficiency Ratio | 36.92% | 76.39% | 128.33% | 133.96% | 97.14% | +6,022 bps | |
| Non-Interest Burden | -2.72% | 3.48% | 8.15% | 6.92% | 4.69% | +741 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.66% | 3.34% | 4.37% | 4.23% | 0.83% | -183 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 112.27% | 922% | 1048% | 1051% | 862% | +74,989 bps | |
| Equity / Assets | 99.95% | 99.95% | 99.95% | 99.24% | 100.00% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |