Saint Paul, MN · Cert 8832
FDIC
Q3 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.27% | 1.33% | 1.36% | 1.35% | 1.24% | 1.25% | 1.26% | -9 bps | |
| Return on Equity | n/a | 14.85% | 15.20% | 15.37% | 15.18% | 13.77% | 13.60% | 13.85% | -152 bps | |
| Net Interest Margin | 3.56% | 3.77% | 3.89% | 3.90% | 3.82% | 3.68% | 3.74% | 3.76% | -14 bps | |
| Efficiency Ratio | 58.10% | 53.24% | 53.12% | 52.13% | 53.02% | 56.91% | 57.62% | 60.06% | +794 bps | |
| Non-Interest Burden | 1.87% | 1.75% | 1.81% | 1.79% | 1.79% | 1.89% | 1.95% | 2.06% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.40% | 10.11% | 10.66% | 10.06% | 8.19% | 9.63% | 8.54% | 8.36% | -169 bps | |
| Loan Growth (YoY) | 0.86% | -0.47% | 4.48% | 7.35% | 11.16% | 13.74% | 12.25% | 13.23% | +587 bps | |
| Deposit Growth (YoY) | 9.77% | 10.49% | 10.62% | 9.97% | 7.69% | 9.29% | 8.07% | 8.46% | -150 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.06% | 0.06% | 0.05% | 0.05% | 0.12% | 0.13% | 0.09% | +5 bps | |
| Allowance / Loans | 1.02% | 1.05% | 1.01% | 1.01% | 1.02% | 1.00% | 1.00% | 1.00% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.92% | 14.28% | 14.08% | 13.91% | 13.80% | 13.77% | 13.65% | 13.32% | -59 bps | |
| Equity / Assets | 8.56% | 8.55% | 9.08% | 9.14% | 9.05% | 9.00% | 9.49% | 8.99% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.78% | 68.86% | 72.79% | 73.26% | 72.04% | 71.65% | 75.61% | 76.47% | +322 bps | |
| Liquid Assets / Assets | 0.04% | 0.01% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |