Bloomington, MN · Charter 64720
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.85% | 0.59% | 1.16% | 1.11% | 1.11% | 0.86% | 0.84% | -32 bps | |
| Return on Equity | 4.70% | 6.17% | 4.40% | 8.54% | 8.85% | 7.55% | 5.74% | 5.32% | -322 bps | |
| Net Interest Margin | 3.33% | 2.96% | 2.88% | 3.56% | 3.34% | 3.56% | 3.48% | 3.40% | -17 bps | |
| Efficiency Ratio | 78.26% | 71.77% | 79.58% | 67.34% | 66.76% | 68.93% | 75.16% | 75.27% | +793 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.03% | 24.53% | 23.82% | 21.03% | 28.79% | 2.78% | -1.66% | -8.19% | -2,922 bps | |
| Loan Growth (YoY) | -0.70% | 19.63% | 32.85% | 17.38% | 9.94% | -1.47% | -8.05% | -9.67% | -2,705 bps | |
| Share Growth (YoY) | 9.58% | 27.36% | 26.26% | 22.59% | 31.98% | 1.63% | -3.40% | -10.47% | -3,306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 3.43% | 3.38% | 2.94% | 3.14% | 3.16% | 3.27% | 3.49% | 3.69% | +55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.43% | 13.73% | 13.47% | 13.62% | 12.58% | 14.66% | 15.05% | 15.79% | +216 bps | |
| Net Worth / Assets | 15.43% | 13.73% | 13.47% | 13.62% | 12.58% | 14.66% | 15.05% | 15.79% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.55% | 51.47% | 50.87% | 47.61% | 46.28% | 49.90% | 48.42% | 48.04% | +42 bps | |
| Liquid Assets / Assets | 52.25% | 55.36% | 50.07% | 58.43% | 25.17% | 57.07% | 21.39% | 59.33% | +90 bps | |