Albert Lea, MN · Charter 62794
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 | 2.53% | 4.00% | 0.47% | -0.22% | -0.91% | 0.38% | 0.30% | 1.09% | +132 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -14.74% | 6.62% | 5.28% | 18.32% | n/a | |
| Net Interest Margin | n/a | n/a | 4.70% | 5.03% | 5.01% | 4.68% | 4.91% | 4.68% | -35 bps | |
| Efficiency Ratio | n/a | n/a | 95.01% | 99.40% | 100.34% | 88.22% | 83.28% | 75.40% | -2,400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.42% | 32.81% | 34.39% | 26.11% | 7.69% | 9.31% | 13.96% | 16.53% | -958 bps | |
| Loan Growth (YoY) | 9.82% | 16.95% | 23.18% | 33.94% | 42.24% | 46.81% | 39.65% | 19.32% | -1,463 bps | |
| Share Growth (YoY) | 36.07% | 35.11% | 36.37% | 27.79% | 9.09% | 6.69% | 9.62% | 17.69% | -1,011 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 1.57% | 1.89% | 1.36% | 2.98% | 1.25% | 1.25% | 2.20% | +84 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 | 1.78% | 1.10% | 1.05% | 0.54% | 1.37% | 0.92% | 1.40% | 1.27% | +73 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.16% | 5.70% | 5.72% | 5.97% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.16% | 5.70% | 5.72% | 5.97% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.48% | 67.25% | 73.00% | 78.62% | 87.98% | 92.54% | 93.00% | 79.71% | +109 bps | |
| Liquid Assets / Assets | 24.96% | 24.97% | 18.13% | 14.56% | 9.68% | 10.17% | 10.18% | 119.14% | +10,458 bps | |