Minneapolis, MN · Charter 64848
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.98% | 4.33% | 4.30% | 4.84% | 4.86% | 5.41% | 5.04% | 4.57% | -27 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 | 4.94% | 14.28% | 22.20% | 10.64% | 9.57% | 5.59% | 10.56% | -1,163 bps | |
| Loan Growth (YoY) | n/a | 2.95% | 1.71% | 6.52% | 26.57% | 25.41% | 21.63% | 17.63% | +1,111 bps | |
| Share Growth (YoY) | n/a | 3.27% | 14.32% | 23.89% | 10.58% | 8.51% | 3.81% | 10.19% | -1,370 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 1.52% | 3.32% | 1.92% | 1.16% | 2.82% | 1.97% | 0.79% | -113 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 | 0.58% | 0.73% | 0.96% | 0.82% | 0.79% | 1.00% | 0.89% | 0.58% | -24 bps | |
| 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 | 87.92% | 84.15% | 81.01% | 85.65% | 100.63% | 97.26% | 94.92% | 91.43% | +578 bps | |
| Liquid Assets / Assets | 18.94% | 23.39% | 25.43% | 17.46% | 4.61% | 13.14% | 14.06% | 16.44% | -103 bps | |