Minneapolis, MN · Charter 62938
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.23% | 4.56% | 4.63% | 3.06% | 5.47% | 4.14% | 3.76% | 2.36% | -70 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 | n/a | n/a | 17.42% | 14.65% | 8.81% | 7.88% | -0.32% | -1,774 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 16.23% | 11.60% | 11.79% | 5.80% | 2.29% | -1,394 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 18.56% | 15.18% | 11.36% | 9.02% | 0.52% | -1,804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 0.86% | 2.68% | 2.80% | 2.17% | 3.99% | 1.92% | 2.92% | +12 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 | 0.55% | 0.21% | 0.43% | 0.75% | 0.76% | 1.29% | 1.31% | 2.90% | +215 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 | 93.74% | 93.06% | 95.07% | 89.12% | 90.83% | 93.43% | 92.27% | 90.69% | +157 bps | |
| Liquid Assets / Assets | 3.48% | 3.08% | 1.80% | 3.61% | 5.17% | 8.40% | 1.97% | 10.35% | +674 bps | |