Albert Lea, MN · Charter 63572
Q4 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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.62% | 4.45% | 3.96% | 1.04% | 1.75% | 1.35% | 1.75% | 1.09% | +5 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.68% | 7.37% | 4.79% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.45% | 4.13% | 4.21% | 4.18% | 3.54% | +10 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 69.78% | 59.65% | 68.75% | 58.59% | 69.59% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.81% | 3.94% | 10.39% | 4.07% | -5.72% | -18.07% | -14.44% | -6.97% | -1,103 bps | |
| Loan Growth (YoY) | -20.07% | -9.10% | -6.72% | 2.79% | -4.74% | 2.58% | 5.00% | -2.23% | -502 bps | |
| Share Growth (YoY) | -15.69% | 2.81% | 10.46% | 2.26% | -9.92% | -24.43% | -20.50% | -11.26% | -1,351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.22% | 0.48% | 1.84% | +184 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 | 0.55% | 0.57% | 0.59% | 0.57% | 0.58% | 0.56% | 0.56% | 0.58% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 23.82% | 23.80% | 22.73% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 23.82% | 23.80% | 22.73% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.08% | 82.59% | 81.04% | 87.97% | 99.49% | 112.12% | 107.04% | 96.91% | +894 bps | |
| Liquid Assets / Assets | 19.38% | 25.38% | 25.72% | 6.05% | 16.63% | 13.38% | 17.45% | 24.19% | +1,815 bps | |