Emmons, MN · Cert 5139
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.54% | 0.65% | 0.54% | 0.51% | 0.51% | 0.05%1 | 0.49% | -4 bps | |
| Return on Equity | n/a | n/a | 4.53% | 3.68% | 3.48% | 3.46% | 0.31% | 3.05% | -63 bps | |
| Net Interest Margin | 4.58% | 4.07% | 4.59% | 4.80% | 4.62% | 4.60% | 3.70% | 4.42% | -39 bps | |
| Efficiency Ratio | 87.66% | 86.24% | 81.82% | 82.81% | 83.13% | 88.94% | 97.70% | 84.41% | +160 bps | |
| Non-Interest Burden | 3.95% | 3.44% | 3.68% | 3.90% | 3.76% | 4.09% | 3.61% | 3.71% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.58% | 2.67% | 5.71% | 6.70% | 1.45% | -4.77% | -3.50% | -7.06% | -1,376 bps | |
| Loan Growth (YoY) | -2.44% | -1.51% | -4.04% | -10.03% | -8.02% | -8.26% | -20.09% | -27.38% | -1,735 bps | |
| Deposit Growth (YoY) | -1.87% | 3.15% | 7.48% | 7.84% | 1.24% | -6.74% | -5.11% | -8.64% | -1,648 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 | 0.07% | 0.06% | 0.16% | 0.59% | 0.40% | 0.29% | 0.00% | 0.00% | -59 bps | |
| Allowance / Loans | 1.74% | 1.80% | 1.78% | 1.68% | 1.85% | 1.38% | 1.60% | 1.83% | +14 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 | 22.63% | 23.23% | 23.94% | 23.78% | 24.19% | 25.96% | 29.44% | 31.67% | +789 bps | |
| Equity / Assets | 14.44% | 14.09% | 14.56% | 15.03% | 14.84% | 15.71% | 15.95% | 16.66% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.87% | 69.46% | 71.59% | 70.06% | 67.12% | 68.33% | 60.29% | 55.69% | -1,437 bps | |
| Liquid Assets / Assets | 2.96% | 3.84% | 3.81% | 3.90% | 3.53% | 3.70% | 3.60% | 3.71% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |