PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northern States Faribault Employees

Faribault, MN · Charter 63756

Q2 1997

$266KAssets
$216KLoans
$162KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.41%, down 134 bps year over year.
  • Asset quality: problem loans at 6.57% of loans (+657 bps YoY).
  • Funding: loans stand at 133.57% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

5.41%-134 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.25%4.78%6.75%7.01%5.91%5.68%5.41%-134 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-28.73%-21.76%-8.70%n/a
Loan Growth (YoY)n/an/an/an/a10.13%-15.96%-12.62%n/a
Share Growth (YoY)n/an/an/an/a-41.86%-35.02%-20.93%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%3.95%3.64%6.57%+657 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.45%0.35%0.40%0.41%0.41%0.84%0.93%+52 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares70.64%100.51%120.86%142.51%133.80%130.00%133.57%+1,271 bps
Liquid Assets / Assets0.00%0.00%11.83%5.48%0.22%9.03%4.03%-779 bps