Duluth, MN · Charter 63086
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.88% | 3.39% | 3.98% | 3.37% | 3.86% | 3.34% | 3.31% | 2.20% | -118 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 | 23.06% | 9.39% | 10.99% | 9.40% | 17.17% | 24.74% | 26.17% | +1,518 bps | |
| Loan Growth (YoY) | n/a | -1.82% | 18.36% | 36.31% | 36.19% | 20.99% | -5.58% | -24.55% | -6,086 bps | |
| Share Growth (YoY) | n/a | 21.19% | 7.04% | 9.17% | 7.36% | 15.95% | 25.57% | 27.33% | +1,816 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 1.44% | 0.59% | 0.67% | 1.03% | 2.55% | 1.51% | 3.73% | +307 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 | 0.89% | 0.88% | 0.76% | 0.67% | 0.71% | 0.60% | 0.55% | 0.98% | +31 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 | 70.62% | 64.07% | 82.47% | 85.64% | 89.59% | 66.85% | 62.01% | 50.74% | -3,489 bps | |
| Liquid Assets / Assets | 18.46% | 29.22% | 18.46% | 15.93% | 12.02% | 31.18% | 36.07% | 36.39% | +2,046 bps | |