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NSP Go

Minneapolis, MN · Charter 64651

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

NSP Go

Minneapolis, MN · Charter 64651

Q4 2001

$45.8MAssets
$34.1MLoans
$39.5MShares
$6.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.61%, up 5 bps year over year; NIM at 4.07%.
  • Asset quality: problem loans at 0.13% of loans (-12 bps YoY).
  • Capital: net worth / assets of 13.04%.
  • Funding: loans stand at 86.20% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.61%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.07%+75 bps YoY

Efficiency Ratio (YTD, annualized)

84.37%+115 bps YoY

Net Worth / Assets

13.04%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.99%4.89%4.29%0.56%0.87%0.50%0.61%0.61%+5 bps
Return on Equityn/an/an/an/an/a3.88%4.80%4.66%n/a
Net Interest Marginn/an/an/a3.32%3.81%3.89%4.03%4.07%+75 bps
Efficiency Ration/an/an/a83.22%77.90%84.02%82.26%84.37%+115 bps
Growth
Asset Growth (YoY)13.36%13.42%11.50%33.71%44.50%42.83%43.90%17.25%-1,646 bps
Loan Growth (YoY)7.42%11.20%21.67%49.98%60.32%50.27%30.50%-2.92%-5,290 bps
Share Growth (YoY)11.95%10.94%10.10%31.05%37.72%42.08%42.50%17.57%-1,348 bps
Asset Quality
Delinquent Loans / Loans0.06%0.30%0.29%0.25%0.07%0.38%0.24%0.13%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.39%0.37%0.39%0.41%0.29%0.30%0.29%0.34%-7 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.81%12.65%13.04%n/a
Net Worth / Assetsn/an/an/an/an/a12.81%12.65%13.04%n/a
Liquidity & Funding
Loans / Shares92.02%98.29%99.73%104.40%107.12%103.95%91.33%86.20%-1,820 bps
Liquid Assets / Assets15.77%10.21%8.36%1.65%3.72%6.99%15.69%18.44%+1,679 bps