Minneapolis, MN · Charter 64092
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.45% | 4.33% | 3.76% | 3.04% | 3.47% | 3.41% | 0.43% | 1.03% | -201 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.35% | 4.58% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 81.58% | 78.52% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.57% | 24.59% | 11.40% | 0.12% | 1.78% | 8.23% | 6.04% | 12.44% | +1,232 bps | |
| Loan Growth (YoY) | 20.46% | 15.56% | 12.26% | 9.37% | -7.91% | -11.11% | -6.78% | 11.10% | +173 bps | |
| Share Growth (YoY) | 22.11% | 26.38% | 11.76% | -1.26% | 0.90% | 8.59% | 5.95% | 12.62% | +1,388 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 1.93% | 2.75% | 2.99% | 3.24% | 2.17% | 1.96% | 0.80% | -219 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 | 0.81% | 0.45% | 0.88% | 0.92% | 1.08% | 1.41% | 1.43% | 0.98% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.14% | 96.69% | 100.07% | 93.47% | 83.18% | 79.15% | 88.05% | 92.21% | -126 bps | |
| Liquid Assets / Assets | 20.61% | 16.54% | 13.83% | 18.53% | 27.78% | 32.37% | 24.09% | 21.47% | +295 bps | |