Grand Rapids, MN · Charter 60084
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.85% | 1.88% | 2.39% | 0.26% | -0.23% | 0.08% | 0.01% | 0.26% | +1 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 0.69% | 0.06% | 2.48% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.62% | 5.31% | 5.55% | 5.22% | 5.36% | +75 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 103.90% | 98.25% | 92.81% | 94.93% | 92.05% | -1,185 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.32% | 7.62% | 4.85% | 4.73% | 6.69% | -0.84% | 2.47% | 4.22% | -51 bps | |
| Loan Growth (YoY) | 22.72% | 8.91% | -7.30% | -14.48% | -2.89% | 3.64% | 18.59% | 17.38% | +3,186 bps | |
| Share Growth (YoY) | 1.41% | 10.37% | 6.05% | 9.00% | 9.12% | -1.05% | 2.12% | 4.34% | -466 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 0.68% | 1.58% | 2.36% | 2.90% | 0.75% | 0.44% | 0.66% | -170 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 | 0.46% | 1.83% | 2.20% | 1.41% | 0.88% | 0.53% | 0.63% | 0.64% | -76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 10.92% | 10.51% | 10.68% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 10.92% | 10.51% | 10.68% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.97% | 85.80% | 74.34% | 72.86% | 83.63% | 89.87% | 86.33% | 81.97% | +911 bps | |
| Liquid Assets / Assets | 7.74% | 14.44% | 21.40% | 19.25% | 12.64% | 13.46% | 13.45% | 11.63% | -762 bps | |