Duluth, MN · Charter 64617
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Duluth, MN · Charter 64617
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 | 5.05% | 5.00% | 3.84% | 1.07% | 0.85% | 0.63% | 0.36% | -2.41% | -348 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.11% | 1.87% | -13.07% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.12% | 4.99% | 5.33% | 4.54% | 4.99% | -13 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 79.23% | 74.13% | 76.96% | 84.46% | 89.94% | +1,071 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | -0.85% | 4.53% | -1.62% | 2.60% | 1.24% | -1.89% | 2.71% | +433 bps | |
| Loan Growth (YoY) | -17.21% | -3.28% | -18.72% | -11.16% | 9.98% | -2.99% | 21.54% | 8.33% | +1,949 bps | |
| Share Growth (YoY) | -3.75% | -4.47% | 2.75% | -5.69% | 0.19% | -0.43% | -3.82% | 5.89% | +1,159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.40% | 1.04% | 0.00% | 2.41% | 0.00% | 3.85% | 12.89% | 18.60% | +1,619 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 | 2.37% | 3.66% | 3.56% | 3.52% | 1.74% | 2.50% | 2.53% | 2.73% | -79 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 20.33% | 19.40% | 18.46% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 20.33% | 19.40% | 18.46% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.84% | 93.83% | 73.74% | 88.10% | 101.91% | 91.41% | 93.19% | 90.13% | +203 bps | |
| Liquid Assets / Assets | 15.86% | 10.21% | 20.03% | 25.10% | 16.29% | 27.27% | 25.35% | 26.46% | +136 bps | |