St. James, MN · Charter 64614
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.21% | 5.47% | 4.82% | 4.72% | 5.73% | 0.58% | 1.54% | 1.32% | -340 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 16.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.16% | 2.66% | 2.68% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 44.38% | 43.50% | 45.38% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.83% | 21.32% | 45.80% | 60.04% | 86.87% | 55.00% | 20.25% | 8.77% | -5,127 bps | |
| Loan Growth (YoY) | 33.33% | 30.13% | 37.09% | 52.99% | 62.19% | 79.23% | 61.31% | 43.85% | -914 bps | |
| Share Growth (YoY) | 14.97% | 20.24% | 48.86% | 65.39% | 95.65% | 43.91% | 20.57% | 7.30% | -5,809 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.50% | 1.62% | 2.37% | 2.61% | 3.29% | 4.88% | 9.85% | 1.93% | -68 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 | 2.29% | 2.70% | 2.51% | 1.72% | 1.42% | 2.37% | 2.33% | 1.84% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.14% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.14% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.63% | 79.93% | 63.85% | 67.65% | 66.84% | 99.55% | 85.42% | 90.69% | +2,304 bps | |
| Liquid Assets / Assets | 19.92% | 0.00% | 30.10% | 33.99% | 29.35% | 15.15% | 15.24% | 16.56% | -1,743 bps | |