St Paul, MN · Charter 63570
Q2 2001
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.63% | 2.91% | 2.61% | 2.30% | 0.22% | 0.15% | 0.18% | 0.31% | -198 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 1.28% | 2.05% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.62% | 5.33% | 6.01% | 6.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 96.18% | 97.18% | 97.01% | 94.88% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.09% | -14.15% | -16.94% | -18.41% | -15.49% | -11.32% | -11.94% | -16.62% | +178 bps | |
| Loan Growth (YoY) | -6.16% | -1.52% | 9.55% | 8.30% | 3.58% | -2.59% | -5.06% | -5.42% | -1,373 bps | |
| Share Growth (YoY) | -11.72% | -16.07% | -19.19% | -20.35% | -17.14% | -12.17% | -13.20% | -19.24% | +110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 2.73% | 2.34% | 1.40% | 1.19% | 1.20% | 1.60% | 1.10% | -30 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 | 1.74% | 1.75% | 0.68% | 0.72% | 0.71% | 0.76% | 0.74% | 0.86% | +15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 14.06% | 15.36% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 14.06% | 15.36% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.56% | 77.38% | 89.85% | 87.06% | 93.21% | 85.83% | 98.29% | 101.96% | +1,490 bps | |
| Liquid Assets / Assets | 30.78% | 30.41% | 18.92% | 19.03% | 16.43% | 11.35% | 14.20% | 12.56% | -647 bps | |