Northfield, MN · Charter 60511
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.04% | 4.66% | 4.47% | 4.51% | 5.14% | 4.71% | 4.72% | 0.85% | -366 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 4.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 79.45% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 8.54% | 8.23% | 7.84% | -0.22% | 2.24% | 3.86% | -1.67% | -951 bps | |
| Loan Growth (YoY) | 23.56% | 26.50% | 23.78% | 22.34% | 15.64% | 9.86% | 8.09% | -2.61% | -2,496 bps | |
| Share Growth (YoY) | 2.77% | 7.66% | 8.11% | 6.82% | -2.17% | 0.49% | 1.99% | -3.66% | -1,048 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 1.33% | 0.95% | 0.83% | 0.30% | 0.25% | 0.20% | 1.92% | +109 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 | 0.23% | 0.72% | 1.14% | 0.45% | 0.44% | 0.35% | 0.35% | 0.37% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.21% | 75.52% | 78.44% | 79.68% | 82.99% | 82.57% | 83.13% | 80.55% | +87 bps | |
| Liquid Assets / Assets | 23.21% | 22.51% | 20.37% | 24.02% | 24.47% | 21.83% | 19.19% | 9.05% | -1,497 bps | |