PackageTrendsPeer
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St. Cloud T & L

St. Cloud, MN · Charter 61642

Q3 1999

$77.7MAssets
$56.8MLoans
$68.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 1.08%, down 348 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.38% of loans (-16 bps YoY).
  • Funding: loans stand at 82.91% of shares as of Q3 1999.

Return on Assets (YTD, annualized)

1.08%-348 bps YoY

Net Interest Margin (YTD, annualized)

4.38%
n/a

Efficiency Ratio (YTD, annualized)

75.40%
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.38%4.34%4.34%4.55%4.61%4.22%4.10%1.08%-348 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.38%n/an/a
Efficiency Ration/an/an/an/an/an/an/a75.40%n/an/a
Growth
Asset Growth (YoY)10.67%8.08%8.58%7.92%5.75%4.85%6.16%11.78%+387 bps
Loan Growth (YoY)9.87%8.97%6.08%0.09%-1.43%-2.88%1.17%9.63%+954 bps
Share Growth (YoY)10.94%8.13%8.62%7.86%5.09%3.98%5.43%11.75%+388 bps
Asset Quality
Delinquent Loans / Loans1.06%0.66%0.93%0.54%0.74%0.45%0.38%0.38%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.38%0.39%0.44%0.47%0.47%0.52%0.49%0.47%0 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.01%87.15%86.69%84.52%84.43%81.40%83.19%82.91%-160 bps
Liquid Assets / Assets12.12%16.62%16.75%18.19%18.52%21.26%20.11%12.88%-531 bps