Mankato, MN · Charter 64654
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Mankato, MN · Charter 64654
Q2 2003
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 0.33% | 0.35% | 0.56% | 1.04% | 1.17% | 0.26% | 0.51% | -5 bps | |
| Return on Equity | 5.61% | 1.78% | 2.03% | 3.41% | 5.93% | 6.33% | 1.49% | 2.89% | -52 bps | |
| Net Interest Margin | 2.81% | 3.01% | 2.53% | 3.11% | 3.83% | 3.82% | 3.25% | 1.55% | -156 bps | |
| Efficiency Ratio | 57.94% | 89.04% | 86.28% | 81.97% | 72.82% | 69.46% | 91.87% | 67.35% | -1,462 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | -0.36% | 3.58% | 20.95% | 16.46% | 8.78% | 3.42% | 0.07% | -2,088 bps | |
| Loan Growth (YoY) | 15.80% | 4.12% | 12.04% | 10.30% | 15.69% | 20.03% | 2.71% | 0.32% | -998 bps | |
| Share Growth (YoY) | 1.19% | -2.57% | 2.31% | 23.84% | 18.68% | 9.01% | 2.98% | -1.41% | -2,524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.40% | 0.26% | 3.35% | 1.51% | 2.16% | 2.32% | 2.68% | 0.00% | -151 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 | 0.34% | 0.36% | 0.32% | 0.09% | 0.14% | 0.01% | 0.29% | 0.31% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.17% | 18.53% | 17.16% | 16.48% | 17.58% | 18.40% | 17.78% | 17.60% | +112 bps | |
| Net Worth / Assets | 19.17% | 18.53% | 17.16% | 16.48% | 17.58% | 18.40% | 17.78% | 17.60% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.00% | 84.58% | 85.84% | 81.66% | 90.66% | 93.13% | 85.61% | 83.09% | +143 bps | |
| Liquid Assets / Assets | 14.20% | 21.12% | 27.40% | 19.33% | 20.18% | 20.73% | 20.07% | 19.62% | +29 bps | |