Albert Lea, MN · Charter 63096
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Albert Lea, MN · Charter 63096
Q3 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 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.07% | 0.89% | 3.20% | 1.82% | 1.51% | 1.12% | 1.24% | 1.97% | +15 bps | |
| Return on Equity | n/a | n/a | n/a | 13.60% | 11.20% | 8.39% | 8.80% | 13.74% | +14 bps | |
| Net Interest Margin | n/a | 3.35% | 3.89% | 3.98% | 4.35% | 4.14% | 3.88% | 4.02% | +4 bps | |
| Efficiency Ratio | n/a | 67.81% | 61.38% | 61.63% | 73.38% | 70.37% | 72.48% | 64.81% | +318 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.36% | 40.24% | 30.56% | 11.08% | 15.86% | 15.62% | 36.25% | 43.74% | +3,266 bps | |
| Loan Growth (YoY) | 41.27% | 34.43% | 23.90% | 31.09% | 17.09% | 19.85% | 25.24% | 22.66% | -843 bps | |
| Share Growth (YoY) | 52.10% | 42.37% | 30.26% | 8.67% | 13.47% | 13.65% | 34.78% | 42.40% | +3,373 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.33% | 2.37% | 3.16% | 5.02% | 2.16% | 3.04% | 3.26% | 2.95% | -207 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 | 1.61% | 1.74% | 0.79% | 1.81% | 1.69% | 2.18% | 2.05% | 1.71% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.37% | 13.49% | 13.29% | 14.03% | 14.30% | +93 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 13.37% | 13.49% | 13.29% | 14.03% | 14.30% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.95% | 85.40% | 89.57% | 94.32% | 92.82% | 90.05% | 83.22% | 81.24% | -1,308 bps | |
| Liquid Assets / Assets | 18.70% | 21.03% | 18.07% | 17.83% | 18.90% | 21.72% | 28.03% | 29.66% | +1,183 bps | |