Bloomington, MN · Charter 64720
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.
Bloomington, MN · Charter 64720
Q2 2003
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.11% | 1.11% | 0.86% | 0.84% | -32 bps | |
| Return on Equity | 8.54% | 8.85% | 7.55% | 5.74% | 5.32% | -322 bps | |
| Net Interest Margin | 3.56% | 3.34% | 3.56% | 3.48% | 3.40% | -17 bps | |
| Efficiency Ratio | 67.34% | 66.76% | 68.93% | 75.16% | 75.27% | +793 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.03% | 28.79% | 2.78% | -1.66% | -8.19% | -2,922 bps | |
| Loan Growth (YoY) | 17.38% | 9.94% | -1.47% | -8.05% | -9.67% | -2,705 bps | |
| Share Growth (YoY) | 22.59% | 31.98% | 1.63% | -3.40% | -10.47% | -3,306 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 1.66% | 1.87% | 1.22% | +122 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.14% | 3.16% | 3.27% | 3.49% | 3.69% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.62% | 12.58% | 14.66% | 15.05% | 15.79% | +216 bps | |
| Net Worth / Assets | 13.62% | 12.58% | 14.66% | 15.05% | 15.79% | +216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.61% | 46.28% | 49.90% | 48.42% | 48.04% | +42 bps | |
| Liquid Assets / Assets | 58.43% | 25.17% | 57.07% | 21.39% | 59.33% | +90 bps | |