St Cloud, MN · Charter 64615
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.92% | 4.92% | 4.30% | 1.28% | 1.36% | 1.29% | 0.93% | 1.14% | -13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 6.13% | 4.57% | 5.92% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.12% | 4.32% | 4.56% | 4.24% | 4.04% | -8 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 68.02% | 66.64% | 70.08% | 78.24% | 71.97% | +396 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.00% | 6.41% | 15.07% | 18.54% | 8.50% | 10.03% | 3.42% | 15.48% | -307 bps | |
| Loan Growth (YoY) | 15.83% | 26.46% | 18.76% | 21.12% | 18.80% | 14.86% | -0.08% | -7.71% | -2,882 bps | |
| Share Growth (YoY) | 7.70% | 3.26% | 14.07% | 18.94% | 7.05% | 8.27% | 0.35% | 15.13% | -381 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.00% | 0.33% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 1.53% | 1.31% | 1.23% | 1.13% | 0.98% | 1.03% | 0.75% | 0.80% | -32 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 21.09% | 20.43% | 19.31% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 21.09% | 20.43% | 19.31% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.27% | 92.97% | 85.24% | 91.45% | 91.30% | 98.63% | 84.88% | 73.31% | -1,814 bps | |
| Liquid Assets / Assets | 32.28% | 22.92% | 28.20% | 11.56% | 20.60% | 19.97% | 22.43% | 31.27% | +1,971 bps | |