Minneapolis, MN · Charter 64651
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 | 4.99% | 4.89% | 4.29% | 0.56% | 0.87% | 0.50% | 0.61% | 0.61% | +5 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 3.88% | 4.80% | 4.66% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.32% | 3.81% | 3.89% | 4.03% | 4.07% | +75 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.22% | 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 / Loans | 0.06% | 0.30% | 0.29% | 0.25% | 0.07% | 0.38% | 0.24% | 0.13% | -12 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 | 0.39% | 0.37% | 0.39% | 0.41% | 0.29% | 0.30% | 0.29% | 0.34% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.81% | 12.65% | 13.04% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.81% | 12.65% | 13.04% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.02% | 98.29% | 99.73% | 104.40% | 107.12% | 103.95% | 91.33% | 86.20% | -1,820 bps | |
| Liquid Assets / Assets | 15.77% | 10.21% | 8.36% | 1.65% | 3.72% | 6.99% | 15.69% | 18.44% | +1,679 bps | |