Minneapolis, MN · Charter 64793
Q2 1999
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 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.67% | 5.64% | 5.89% | 5.97% | 6.22% | 5.94% | 5.91% | 0.00% | -597 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 16.52% | 17.30% | 24.32% | 26.84% | 23.13% | 26.84% | -99.92% | -12,424 bps | |
| Loan Growth (YoY) | n/a | 58.55% | 54.30% | 33.93% | 21.96% | 23.13% | 8.10% | -100.00% | -13,393 bps | |
| Share Growth (YoY) | n/a | 16.78% | 17.05% | 25.03% | 26.72% | 22.32% | 26.22% | -100.00% | -12,503 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.55% | 0.34% | 1.01% | 0.98% | 0.52% | 0.41% | n/a | n/a | |
| 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 | 0.19% | 0.12% | 0.16% | 0.12% | 0.24% | 0.19% | 0.05% | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.15% | 56.58% | 62.65% | 59.80% | 61.75% | 56.95% | 53.65% | n/a | n/a | |
| Liquid Assets / Assets | 33.82% | 39.77% | 33.52% | 38.52% | 30.90% | 47.16% | 41.85% | 0.00% | -3,852 bps | |