PackageTrendsPeer
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Northern States Red Wing

Welch, MN · Charter 63827

Q4 1999

$4.0MAssets
$3.3MLoans
$3.5MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.57%, down 375 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 1.43% of loans (+88 bps YoY).
  • Funding: loans stand at 94.39% of shares as of Q4 1999.

Return on Assets (quarter, annualized)

0.57%-375 bps YoY

Net Interest Margin (quarter, annualized)

4.29%
n/a

Efficiency Ratio (quarter, annualized)

87.21%
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets4.30%4.79%4.60%4.31%4.55%4.07%4.28%0.57%-375 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a4.29%n/an/a
Efficiency Ration/an/an/an/an/an/an/a87.21%n/an/a
Growth
Asset Growth (YoY)9.03%8.61%24.63%21.59%9.31%20.58%6.98%7.63%-1,396 bps
Loan Growth (YoY)20.42%12.36%14.43%10.23%14.15%11.63%13.27%22.77%+1,253 bps
Share Growth (YoY)6.81%6.23%24.13%21.63%7.48%21.21%5.96%6.86%-1,477 bps
Asset Quality
Delinquent Loans / Loans1.00%0.00%0.36%0.54%0.00%0.08%0.15%1.43%+88 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.75%0.92%1.11%0.85%0.90%1.00%0.97%-14 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares87.92%95.67%87.77%82.16%93.38%88.11%93.83%94.39%+1,223 bps
Liquid Assets / Assets19.95%15.48%21.25%26.05%16.47%20.11%16.12%14.46%-1,160 bps