Sleepy Eye, MN · Charter 60730
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.31% | 1.17% | 0.97% | 1.05% | 1.09% | 1.11% | 1.07% | +9 bps | |
| Return on Equity | n/a | n/a | n/a | 5.32% | 5.80% | 6.02% | 6.19% | 5.97% | +65 bps | |
| Net Interest Margin | 2.14% | 2.09% | 1.98% | 1.87% | 1.72% | 1.88% | 1.97% | 2.12% | +25 bps | |
| Efficiency Ratio | 37.03% | 38.18% | 41.37% | 45.01% | 47.93% | 47.28% | 47.31% | 48.52% | +351 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.94% | 1.74% | 3.24% | 6.14% | 9.03% | 11.01% | 10.86% | 8.82% | +268 bps | |
| Loan Growth (YoY) | 16.95% | 15.65% | 14.70% | 16.23% | 11.49% | 7.88% | 7.52% | 5.67% | -1,056 bps | |
| Share Growth (YoY) | 2.61% | 0.82% | 2.12% | 5.13% | 8.50% | 10.83% | 10.89% | 9.05% | +393 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.39% | 0.17% | 0.21% | 0.14% | 0.16% | 0.12% | 0.15% | -6 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 | 0.72% | 0.68% | 0.65% | 0.78% | 0.78% | 0.76% | 0.73% | 0.89% | +12 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 18.26% | 18.02% | 18.03% | 17.96% | 17.84% | -41 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 18.26% | 18.02% | 18.03% | 17.96% | 17.84% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.80% | 63.79% | 65.09% | 63.25% | 61.45% | 62.09% | 63.11% | 61.28% | -196 bps | |
| Liquid Assets / Assets | 12.60% | 12.14% | 15.34% | 22.77% | 15.78% | 11.99% | 8.39% | 12.77% | -1,000 bps | |