Saint Paul, MN · Cert 90319
FDIC
Q4 2001
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | 4.26% | 2.30% | 13.64% | 12.00% | +1,250 bps | |
| Return on Equity | n/a | n/a | 4.11% | 26.65% | 23.23% | n/a | |
| Net Interest Margin | n/a | 0.14% | 0.14% | 0.06% | 0.05% | n/a | |
| Efficiency Ratio | n/a | 91.44% | 95.07% | 77.76% | 89.29% | n/a | |
| Non-Interest Burden | n/a | -9.02% | -6.07% | -26.75% | -18.15% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.01% | -4.17% | -20.88% | 4.72% | -8.19% | -818 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | n/a | 109.52% | 124.60% | 157.18% | 198.87% | n/a | |
| Equity / Assets | n/a | 51.39% | 61.27% | 44.34% | 61.18% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |