St. Paul, MN · Charter 65012
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 | 3.42% | 4.10% | 3.12% | 3.32% | 3.40% | 3.73% | 2.30% | 0.51% | -281 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 | -7.05% | -6.94% | 1.40% | -3.70% | -0.47% | -2.39% | -5.42% | -682 bps | |
| Loan Growth (YoY) | n/a | 27.31% | 7.40% | 24.97% | 5.84% | -8.94% | -30.45% | -44.80% | -6,977 bps | |
| Share Growth (YoY) | n/a | -10.76% | -11.58% | -1.87% | -8.44% | -3.90% | -5.87% | -7.85% | -597 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 17.13% | 9.17% | 8.21% | 10.55% | 6.97% | 6.95% | 21.58% | 39.52% | +2,897 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 | 5.54% | 4.76% | 4.50% | 4.23% | 5.24% | 5.42% | 7.77% | 7.29% | +307 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 | 83.36% | 101.30% | 102.23% | 118.56% | 96.36% | 95.99% | 75.53% | 71.01% | -4,755 bps | |
| Liquid Assets / Assets | 30.84% | 20.34% | 20.56% | 5.97% | 6.12% | 28.71% | 30.59% | 32.30% | +2,634 bps | |