Minneapolis, MN · Charter 64958
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Minneapolis, MN · Charter 64958
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.14% | 3.56% | -3.87% | 3.32% | 3.93% | 0.07% | 0.00% | 0.00% | -332 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 | 4.73% | 6.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 90.20% | 95.27% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.27% | -8.58% | -31.11% | -16.99% | -25.24% | -11.20% | 26.11% | -7.31% | +968 bps | |
| Loan Growth (YoY) | 8.44% | -12.48% | -8.10% | -15.08% | -24.16% | -12.01% | -5.98% | -2.80% | +1,228 bps | |
| Share Growth (YoY) | -4.47% | -15.20% | -36.40% | -17.63% | -28.61% | -9.02% | 35.28% | -11.61% | +603 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.69% | 14.21% | 29.52% | 13.36% | 5.92% | 25.29% | 32.81% | 29.62% | +1,626 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 | 1.38% | 1.49% | 12.23% | 12.01% | 13.73% | 12.73% | 8.86% | 8.41% | -359 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 | 91.33% | 92.82% | 119.26% | 105.81% | 97.02% | 89.77% | 82.89% | 116.35% | +1,054 bps | |
| Liquid Assets / Assets | 3.02% | 3.25% | 4.46% | 4.07% | 4.25% | 3.89% | 3.81% | 4.84% | +77 bps | |