Coleraine, MN · Charter 63139
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.46% | 3.78% | 3.25% | 3.01% | 2.51% | 2.81% | 0.21% | 0.41% | -260 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 | 5.97% | 6.56% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 96.48% | 93.79% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.19% | -2.10% | -3.32% | -3.70% | -3.15% | -1.76% | -6.99% | -12.49% | -879 bps | |
| Loan Growth (YoY) | -0.36% | -6.50% | -7.08% | -13.92% | -15.64% | -23.84% | -30.37% | -29.31% | -1,538 bps | |
| Share Growth (YoY) | -4.78% | -4.99% | -6.31% | -5.72% | -5.26% | -3.21% | -9.48% | -16.16% | -1,044 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.65% | 1.31% | 1.27% | 0.53% | 0.47% | 2.90% | 0.32% | -95 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 | 0.54% | 0.52% | 0.76% | 1.24% | 0.50% | 0.53% | 0.58% | 0.63% | -61 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 | 97.23% | 110.87% | 107.96% | 96.51% | 86.57% | 87.24% | 83.03% | 81.38% | -1,514 bps | |
| Liquid Assets / Assets | 20.00% | 8.02% | 9.05% | 15.77% | 22.50% | 27.62% | 33.57% | 28.89% | +1,312 bps | |