Melrose, MN · Charter 61992
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Melrose, MN · Charter 61992
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.62% | 1.54% | 1.58% | 1.65% | 1.63% | 1.90% | 1.79% | +20 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 12.77% | 14.39% | 13.55% | n/a | |
| Net Interest Margin | 4.14% | 4.11% | 4.36% | 4.17% | 3.93% | 3.94% | 4.09% | 4.09% | -8 bps | |
| Efficiency Ratio | 58.35% | 60.37% | 58.00% | 60.61% | 59.87% | 60.71% | 59.30% | 60.94% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.95% | 12.90% | 13.79% | 15.40% | 14.49% | 15.04% | 13.26% | 12.01% | -339 bps | |
| Loan Growth (YoY) | 10.78% | 13.19% | 16.68% | 14.29% | 14.82% | 14.14% | 12.47% | 12.04% | -225 bps | |
| Share Growth (YoY) | 14.90% | 12.89% | 13.79% | 14.59% | 13.39% | 13.40% | 11.90% | 11.82% | -277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.58% | 1.45% | 0.98% | 1.08% | 1.31% | 1.33% | 1.42% | 1.30% | +21 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 | 1.24% | 1.23% | 1.18% | 1.19% | 1.10% | 1.07% | 1.05% | 0.86% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.78% | 13.18% | 13.18% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.78% | 13.18% | 13.18% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.29% | 92.46% | 94.28% | 94.60% | 93.46% | 93.07% | 94.76% | 94.79% | +19 bps | |
| Liquid Assets / Assets | 14.89% | 12.77% | 13.63% | 10.01% | 10.15% | 12.94% | 12.38% | 12.61% | +260 bps | |