St. Paul, MN · Charter 62830
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 | 3.25% | 3.06% | 0.22% | 0.24% | 0.16% | -0.20% | 0.02% | 0.60% | +36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.08% | -3.12% | 0.35% | 8.70% | n/a | |
| Net Interest Margin | n/a | n/a | 4.80% | 5.01% | 4.51% | 4.04% | 4.28% | 5.09% | +8 bps | |
| Efficiency Ratio | n/a | n/a | 93.62% | 92.79% | 93.92% | 95.78% | 90.09% | 86.54% | -625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.71% | 12.35% | 13.24% | 8.27% | 23.94% | 36.94% | 36.57% | 35.20% | +2,693 bps | |
| Loan Growth (YoY) | 13.15% | 5.99% | -3.38% | 9.19% | 41.07% | 62.32% | 66.24% | 37.78% | +2,858 bps | |
| Share Growth (YoY) | 8.91% | 12.74% | 17.75% | 8.48% | 17.84% | 40.36% | 39.96% | 38.63% | +3,015 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 1.22% | 0.84% | 0.30% | 1.67% | 1.19% | 1.18% | 0.28% | -2 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 | 0.57% | 0.56% | 0.34% | 0.32% | 0.13% | 0.32% | 0.48% | 0.25% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 7.77% | 6.52% | 6.56% | 6.89% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 7.77% | 6.52% | 6.56% | 6.89% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.06% | 77.13% | 76.60% | 87.95% | 101.84% | 89.20% | 90.99% | 87.41% | -54 bps | |
| Liquid Assets / Assets | 20.00% | 27.09% | 2.74% | 9.53% | 9.82% | 13.38% | 9.92% | 14.86% | +533 bps | |