St. Paul, MN · Charter 64870
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.08% | 3.99% | 3.80% | 0.68% | 0.43% | 1.13% | 0.86% | 0.86% | +18 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.10% | 8.52% | 8.07% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.64% | 5.27% | 5.87% | 5.24% | 5.51% | +88 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 83.15% | 86.77% | 78.19% | 84.89% | 83.54% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.57% | 13.10% | 20.63% | 23.55% | 16.87% | 17.98% | 21.24% | 16.47% | -707 bps | |
| Loan Growth (YoY) | 1.91% | 5.84% | 5.37% | 0.72% | 16.40% | 26.44% | 25.36% | 22.84% | +2,211 bps | |
| Share Growth (YoY) | 12.17% | 13.17% | 21.33% | 24.17% | 17.02% | 17.71% | 21.18% | 15.56% | -860 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.20% | 1.67% | 0.84% | 1.29% | 0.50% | 0.53% | 0.79% | 1.15% | -14 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 | 1.69% | 1.30% | 1.01% | 0.92% | 0.65% | 0.76% | 0.44% | 0.71% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 11.18% | 10.13% | 10.62% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 11.18% | 10.13% | 10.62% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.83% | 88.00% | 80.79% | 76.71% | 89.34% | 94.53% | 83.58% | 81.53% | +483 bps | |
| Liquid Assets / Assets | 16.46% | 19.71% | 20.85% | 0.00% | 0.49% | 12.63% | 22.15% | 15.93% | +1,593 bps | |