Fairmont, MN · Charter 64998
Q2 1998
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.81% | 6.40% | 5.33% | 5.30% | 5.99% | 5.79% | 4.81% | 3.82% | -147 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 | n/a | n/a | 13.82% | 11.59% | 17.86% | 19.35% | 36.01% | +2,219 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | -12.36% | -10.09% | 19.33% | 46.87% | 56.20% | +6,856 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 10.17% | 14.06% | 15.56% | 6.82% | 40.47% | +3,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.41% | 6.78% | 5.02% | 4.00% | 5.94% | 4.79% | 7.40% | 6.26% | +227 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 | 1.57% | 1.76% | 2.97% | 3.27% | 2.38% | 1.84% | 1.68% | 2.61% | -66 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 | 120.71% | 106.93% | 97.43% | 81.81% | 95.16% | 110.42% | 133.96% | 90.97% | +916 bps | |
| Liquid Assets / Assets | 10.34% | 16.32% | 15.88% | 1.18% | 17.53% | 3.62% | 6.94% | 26.59% | +2,541 bps | |