Twin Valley, MN · Charter 61052
Q2 2002
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 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.21% | 3.47% | 0.41% | 1.09% | 0.88% | 0.75% | 0.76% | 0.53% | -57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 6.84% | 5.79% | 6.23% | 4.59% | n/a | |
| Net Interest Margin | n/a | n/a | 4.15% | 4.72% | 4.59% | 4.71% | 4.24% | 3.83% | -90 bps | |
| Efficiency Ratio | n/a | n/a | 93.61% | 77.67% | 81.68% | 84.47% | 82.60% | 83.20% | +552 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | 6.38% | 19.08% | 17.93% | 16.35% | 17.02% | 23.71% | 27.24% | +931 bps | |
| Loan Growth (YoY) | 10.34% | -20.76% | -2.80% | 17.24% | 29.59% | 60.54% | 24.26% | 11.73% | -551 bps | |
| Share Growth (YoY) | 7.35% | 4.92% | 20.23% | 18.76% | 16.41% | 18.11% | 25.79% | 29.78% | +1,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 1.63% | 3.12% | 0.00% | 0.00% | 1.22% | 3.80% | 6.53% | +653 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 | 1.56% | 1.51% | 1.23% | 0.92% | 0.80% | 0.75% | 0.96% | 1.12% | +20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.90% | 13.02% | 12.20% | 11.45% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.90% | 13.02% | 12.20% | 11.45% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.12% | 69.89% | 79.73% | 81.63% | 86.96% | 95.01% | 78.75% | 70.28% | -1,135 bps | |
| Liquid Assets / Assets | 30.46% | 37.82% | 22.84% | 22.04% | 22.78% | 16.24% | 29.39% | 36.64% | +1,460 bps | |