Minneapolis, MN · Charter 65181
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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 65181
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.13% | -0.73% | 0.36% | -0.02% | -0.04% | -0.10% | 0.06% | -30 bps | |
| Return on Equity | 1.74% | 0.97% | -5.55% | 2.56% | -0.23% | -0.40% | -1.05% | 0.60% | -196 bps | |
| Net Interest Margin | 3.93% | 3.70% | 3.66% | 4.71% | 4.65% | 4.21% | 4.38% | 4.33% | -39 bps | |
| Efficiency Ratio | 94.15% | 96.56% | 119.87% | 92.44% | 99.62% | 100.85% | 102.24% | 98.68% | +624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.32% | 1.10% | -2.07% | -3.83% | -11.46% | -11.07% | -8.56% | -7.76% | -393 bps | |
| Loan Growth (YoY) | -9.58% | -10.33% | 2.59% | -6.21% | -21.75% | -7.61% | -2.21% | -11.07% | -486 bps | |
| Share Growth (YoY) | -3.77% | 1.13% | -2.60% | -4.33% | -6.47% | -5.86% | -4.49% | -3.25% | +108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.50% | 36.59% | 19.41% | 22.86% | 23.99% | 29.82% | 11.47% | 22.09% | -77 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 | 2.27% | 2.47% | 2.67% | 2.70% | 13.44% | 12.72% | 11.55% | 12.83% | +1,013 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.17% | 13.08% | 13.11% | 13.90% | 8.91% | 8.92% | 9.31% | 9.48% | -441 bps | |
| Net Worth / Assets | 13.17% | 13.08% | 13.11% | 13.90% | 8.91% | 8.92% | 9.31% | 9.48% | -441 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.10% | 68.15% | 63.31% | 65.19% | 61.99% | 66.88% | 64.82% | 59.92% | -527 bps | |
| Liquid Assets / Assets | 34.03% | 37.87% | 40.51% | 44.09% | 49.77% | 45.58% | 46.61% | 51.45% | +736 bps | |