Rochester, MN · Charter 64562
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.24% | 1.12% | 1.06% | 1.10% | 1.25% | 1.22% | 1.32% | +26 bps | |
| Return on Equity | 12.00% | 11.92% | 11.21% | 10.31% | 10.66% | 11.35% | 11.58% | 12.01% | +170 bps | |
| Net Interest Margin | 3.46% | 3.63% | 3.61% | 3.58% | 3.55% | 3.72% | 3.67% | 3.72% | +14 bps | |
| Efficiency Ratio | 71.16% | 70.45% | 68.74% | 71.08% | 70.97% | 69.44% | 67.84% | 68.08% | -300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.77% | 12.48% | 15.72% | 8.97% | 6.76% | 6.76% | 6.91% | 6.45% | -253 bps | |
| Loan Growth (YoY) | 22.82% | 21.82% | 23.23% | 18.88% | 14.94% | 17.85% | 16.40% | 21.22% | +234 bps | |
| Share Growth (YoY) | 25.70% | 12.08% | 16.20% | 9.13% | 6.58% | 6.23% | 6.57% | 5.62% | -351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.48% | 0.29% | 0.31% | 0.24% | 0.22% | 0.19% | 0.21% | -9 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 | 0.25% | 0.29% | 0.32% | 0.32% | 0.29% | 0.28% | 0.32% | 0.30% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.83% | 10.41% | 10.00% | 10.28% | 10.34% | 11.00% | 10.56% | 10.99% | +71 bps | |
| Net Worth / Assets | 9.83% | 10.41% | 10.00% | 10.28% | 10.34% | 11.00% | 10.56% | 10.99% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.41% | 73.85% | 69.93% | 73.83% | 75.93% | 81.93% | 76.39% | 84.75% | +1,091 bps | |
| Liquid Assets / Assets | 12.72% | 11.30% | 18.76% | 12.92% | 11.84% | 6.92% | 14.10% | 6.18% | -674 bps | |