Intl Falls, MN · Charter 62383
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.72% | 6.49% | 6.05% | 4.27% | 4.55% | 4.87% | 3.50% | 3.65% | -62 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 14.56% | 22.67% | 23.17% | 11.95% | 20.70% | 14.63% | 15.42% | -775 bps | |
| Loan Growth (YoY) | n/a | 28.43% | 18.74% | 4.56% | -3.16% | -2.63% | -1.90% | 12.04% | +748 bps | |
| Share Growth (YoY) | n/a | 15.48% | 18.04% | 15.39% | 7.78% | 13.26% | 18.54% | 20.11% | +472 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.06% | 2.97% | 4.10% | 3.69% | 2.34% | 1.40% | 1.04% | 0.50% | -319 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 | 0.62% | 0.68% | 0.60% | 1.36% | 1.17% | 1.41% | 1.63% | 1.49% | +13 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 | 139.88% | 130.44% | 134.73% | 122.55% | 125.69% | 112.13% | 111.50% | 114.32% | -823 bps | |
| Liquid Assets / Assets | 1.12% | 2.04% | 2.83% | 9.18% | 15.73% | 15.56% | 17.35% | 13.40% | +421 bps | |