Hopkins, MN · Charter 62477
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.48% | 0.09% | 0.76% | 0.37% | 0.42% | -0.17% | 0.52% | -24 bps | |
| Return on Equity | 0.09% | 2.52% | 0.46% | 3.73% | 1.77% | 1.98% | -0.81% | 3.88% | +15 bps | |
| Net Interest Margin | 3.52% | 3.94% | 2.82% | 3.99% | 3.75% | 3.73% | 3.54% | 3.27% | -72 bps | |
| Efficiency Ratio | 93.01% | 83.11% | 96.83% | 81.06% | 90.12% | 88.82% | 104.69% | 84.12% | +306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.45% | -18.27% | -22.38% | -16.97% | -14.11% | -10.13% | -8.84% | -6.23% | +1,074 bps | |
| Loan Growth (YoY) | -31.23% | -36.88% | -29.48% | -20.75% | -19.83% | -17.66% | -35.39% | -43.96% | -2,321 bps | |
| Share Growth (YoY) | -16.64% | -21.70% | -26.78% | -20.72% | -17.46% | -12.19% | -10.77% | 2.05% | +2,277 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.04% | 7.51% | 1.44% | 1.22% | 5.90% | 6.09% | 0.19% | 15.59% | +1,437 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 | 1.76% | 1.61% | 0.80% | 2.06% | 1.21% | 1.35% | 2.40% | 3.04% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.67% | 19.18% | 19.66% | 20.27% | 20.93% | 21.08% | 21.07% | 13.38% | -689 bps | |
| Net Worth / Assets | 17.67% | 19.18% | 19.66% | 20.27% | 20.93% | 21.08% | 21.07% | 13.38% | -689 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.79% | 44.71% | 46.13% | 44.29% | 45.44% | 41.92% | 33.40% | 24.32% | -1,997 bps | |
| Liquid Assets / Assets | 37.89% | 62.31% | 61.32% | 46.59% | 44.52% | 38.32% | 36.76% | 23.95% | -2,264 bps | |