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Metro Community

Minneapolis, MN · Charter 60385

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Metro Community

Minneapolis, MN · Charter 60385

Q4 2000

$11.5MAssets
$9.8MLoans
$10.1MShares
$985KNet Worth

Executive Summary

  • Earnings: ROA of -0.24%, down 300 bps year over year; NIM at 4.46%.
  • Asset quality: problem loans at 2.30% of loans (+2 bps YoY).
  • Capital: net worth / assets of 8.60%.
  • Funding: loans stand at 97.18% of shares as of Q4 2000.

Return on Assets (YTD, annualized)

-0.24%-300 bps YoY

Net Interest Margin (YTD, annualized)

4.46%

Efficiency Ratio (YTD, annualized)

104.32%

Net Worth / Assets

8.60%
n/a

Year to date, annualized, through each quarter.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets2.66%2.77%3.11%2.76%3.63%0.58%0.34%-0.24%-300 bps
Return on Equityn/an/an/an/an/an/an/a-2.83%n/an/a
Net Interest Marginn/an/an/an/an/a4.91%4.89%4.46%n/a
Efficiency Ration/an/an/an/an/a86.35%93.80%104.32%n/a
Growth
Asset Growth (YoY)-1.40%-2.26%8.11%33.71%24.50%14.52%-0.19%-10.96%-4,466 bps
Loan Growth (YoY)13.57%1.47%-4.36%-25.30%-29.71%38.78%45.16%71.51%+9,681 bps
Share Growth (YoY)-2.74%-4.64%6.16%39.89%24.21%13.28%-2.13%-12.76%-5,266 bps
Asset Quality
Delinquent Loans / Loans1.15%0.84%0.86%2.29%3.10%0.49%1.52%2.30%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.73%0.74%0.90%1.07%0.63%0.60%0.47%-43 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a8.60%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a8.60%n/an/a
Liquidity & Funding
Loans / Shares85.02%81.30%68.81%49.43%48.11%99.60%102.06%97.18%+4,775 bps
Liquid Assets / Assets7.73%8.27%12.83%10.78%10.68%6.43%0.01%8.20%-257 bps