Minneapolis, MN · Charter 64685
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.57% | 2.35% | 2.42% | 2.54% | 2.45% | 0.41% | 0.75% | 0.43% | -211 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 1.56% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 6.46% | 6.97% | 6.60% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 98.06% | 91.23% | 93.53% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | -1.50% | 3.50% | 7.99% | 15.04% | 13.60% | 6.23% | 8.86% | +87 bps | |
| Loan Growth (YoY) | -2.04% | 11.12% | -0.68% | -3.76% | -3.12% | -1.91% | 14.00% | 32.76% | +3,652 bps | |
| Share Growth (YoY) | -2.63% | -4.21% | 2.99% | 10.54% | 20.12% | 19.16% | 8.33% | 11.64% | +110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.03% | 2.39% | 3.42% | 2.47% | 0.80% | 0.98% | 0.97% | 2.11% | -36 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 | 2.51% | 2.63% | 3.07% | 3.35% | 2.59% | 2.16% | 1.78% | 1.48% | -187 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.70% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 27.70% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 133.44% | 138.32% | 116.24% | 108.68% | 107.62% | 113.86% | 122.33% | 129.24% | +2,056 bps | |
| Liquid Assets / Assets | 6.10% | 2.65% | 11.85% | 23.09% | 17.59% | 0.00% | 0.00% | 6.52% | -1,658 bps | |