Saint Paul, MN · Cert 5245
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.84% | 0.96% | 1.65% | 1.42% | 0.83% | 0.36% | 0.83% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | 12.52% | 10.74% | 6.00% | 2.74% | 6.83% | -568 bps | |
| Net Interest Margin | n/a | n/a | 3.39% | 3.46% | 3.32% | 3.40% | 1.34% | 3.50% | +4 bps | |
| Efficiency Ratio | n/a | n/a | 71.50% | 75.28% | 79.35% | 73.30% | 65.04% | 66.59% | -869 bps | |
| Non-Interest Burden | n/a | n/a | 1.78% | 2.10% | 2.44% | 2.22% | 0.81% | 2.19% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | 0.19% | 5.05% | 7.71% | 8.63% | -4.74% | 6.23% | -1.16% | -887 bps | |
| Loan Growth (YoY) | 9.75% | 10.96% | 10.13% | 6.30% | 1.36% | -1.65% | 8.54% | 8.22% | +192 bps | |
| Deposit Growth (YoY) | 1.54% | -1.41% | 0.08% | 0.38% | -4.06% | -9.01% | -0.70% | -8.69% | -907 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 | -0.03% | 0.05% | -0.02% | 0.08% | 0.00% | 0.02% | -2 bps | |
| Allowance / Loans | n/a | n/a | 1.04% | 1.00% | 1.02% | 1.01% | 1.29% | 1.24% | +24 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 | 17.44% | 17.47% | 18.11% | 18.80% | 17.08% | 17.14% | -33 bps | |
| Equity / Assets | n/a | n/a | 13.14% | 13.28% | 13.19% | 14.46% | 11.70% | 12.74% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.83% | 83.41% | 86.55% | 88.74% | 88.57% | 90.16% | 94.61% | 105.17% | +1,644 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.01% | 0.04% | 0.01% | 0.00% | 0.00% | 0.00% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |