Minneapolis, MN · Charter 60385
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.66% | 2.77% | 3.11% | 2.76% | 3.63% | 0.58% | 0.34% | -0.24% | -300 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -2.83% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.91% | 4.89% | 4.46% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 86.35% | 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 / Loans | 1.15% | 0.84% | 0.86% | 2.29% | 3.10% | 0.49% | 1.52% | 2.30% | +2 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 | 0.83% | 0.73% | 0.74% | 0.90% | 1.07% | 0.63% | 0.60% | 0.47% | -43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.60% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.60% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.02% | 81.30% | 68.81% | 49.43% | 48.11% | 99.60% | 102.06% | 97.18% | +4,775 bps | |
| Liquid Assets / Assets | 7.73% | 8.27% | 12.83% | 10.78% | 10.68% | 6.43% | 0.01% | 8.20% | -257 bps | |