Rogers, MN · Cert 8841
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.47% | 0.54% | 3.19% | 0.38% | 0.89% | 1.20% | +66 bps | |
| Return on Equity | n/a | n/a | 3.10% | 3.63% | 21.69% | 2.73% | 6.74% | 8.78% | +516 bps | |
| Net Interest Margin | n/a | 2.79% | 2.94% | 3.02% | 2.70% | 2.61% | 2.79% | 3.43% | +41 bps | |
| Efficiency Ratio | n/a | 88.50% | 80.53% | 79.17% | 48.56% | 82.88% | 73.61% | 66.01% | -1,316 bps | |
| Non-Interest Burden | n/a | 2.40% | 2.24% | 2.18% | -0.52% | 2.04% | 1.83% | 1.93% | -24 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% | -0.02% | -0.02% | 0.04% | -0.02% | 0.02% | 0.69% | +71 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 |