Rogers, MN · Cert 8841
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Rogers, MN · Cert 8841
FDIC
Q3 2002
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 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 0.29% | 0.38% | 0.44% | 1.17% | 0.38% | 0.65% | 0.84% | +40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 2.73% | 4.73% | 6.11% | n/a | |
| Net Interest Margin | n/a | 2.79% | 2.82% | 2.82% | 2.72% | 2.61% | 2.63% | 2.91% | +9 bps | |
| Efficiency Ratio | n/a | 88.50% | 84.31% | 82.37% | 69.62% | 82.88% | 77.91% | 73.25% | -912 bps | |
| Non-Interest Burden | n/a | 2.40% | 2.27% | 2.19% | 1.46% | 2.04% | 1.89% | 1.91% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.76% | 8.01% | 13.88% | 14.87% | 18.74% | 28.19% | 21.55% | 16.59% | +172 bps | |
| Loan Growth (YoY) | 33.41% | 28.40% | 37.81% | 31.03% | 14.96% | 13.98% | 4.14% | 13.50% | -1,754 bps | |
| Deposit Growth (YoY) | 0.98% | 7.09% | 18.65% | 22.31% | 20.90% | 32.88% | 23.71% | 17.90% | -441 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 | n/a | 0.00% | -0.01% | -0.01% | 0.00% | -0.02% | 0.00% | 0.23% | +24 bps | |
| Allowance / Loans | n/a | 1.58% | 1.40% | 1.40% | 1.48% | 1.39% | 1.34% | 1.05% | -35 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 | n/a | 24.30% | 19.58% | 19.48% | 21.37% | 20.33% | 20.00% | 19.12% | -36 bps | |
| Equity / Assets | n/a | 15.58% | 14.87% | 14.74% | 14.64% | 12.96% | 13.40% | 13.88% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.48% | 63.76% | 67.48% | 65.89% | 58.46% | 54.69% | 56.81% | 63.43% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 1.00% | 0.95% | 0.94% | 1.11% | 1.00% | 0.57% | 0.58% | -36 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |