Duluth, MN · Charter 63341
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.85% | 1.10% | 0.77% | 1.44% | 0.03% | 0.11% | -3.09% | -386 bps | |
| Return on Equity | 5.49% | 6.06% | 7.42% | 4.98% | 9.25% | 0.22% | 0.66% | -18.74% | -2,372 bps | |
| Net Interest Margin | 3.92% | 4.32% | 4.60% | 4.76% | 4.33% | 4.33% | 4.62% | 4.98% | +23 bps | |
| Efficiency Ratio | 78.14% | 75.21% | 70.64% | 70.04% | 68.19% | 73.36% | 79.38% | 103.63% | +3,359 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.26% | -6.07% | -6.90% | -9.43% | -9.56% | -10.52% | -14.09% | -20.77% | -1,134 bps | |
| Loan Growth (YoY) | -10.83% | -6.74% | -12.26% | -10.40% | -2.75% | -9.40% | -8.25% | -13.47% | -308 bps | |
| Share Growth (YoY) | 9.18% | -6.48% | -7.85% | -11.57% | -11.93% | -12.55% | -16.47% | -22.50% | -1,093 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.47% | 6.16% | 7.01% | 8.34% | 4.56% | 6.91% | 7.15% | 11.14% | +280 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 | 1.53% | 1.83% | 2.13% | 1.56% | 1.64% | 2.27% | 1.08% | 1.00% | -57 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.28% | 14.02% | 14.85% | 15.50% | 15.52% | 16.01% | 17.24% | 16.47% | +98 bps | |
| Net Worth / Assets | 13.28% | 14.02% | 14.85% | 15.50% | 15.52% | 16.01% | 17.24% | 16.47% | +98 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.47% | 83.19% | 83.46% | 84.28% | 83.34% | 86.18% | 91.67% | 94.10% | +982 bps | |
| Liquid Assets / Assets | 33.71% | 28.39% | 29.02% | 26.82% | 29.21% | 17.88% | 23.24% | 20.20% | -661 bps | |