Dunseith, ND · Cert 11518
FDIC
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Dunseith, ND · Cert 11518
FDIC
Q3 2011
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 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.42% | 0.45% | 0.52% | 0.55% | 0.37% | 0.42% | 0.86% | +34 bps | |
| Return on Equity | 6.04% | 5.44% | 5.93% | 6.77% | 7.26% | 5.20% | 5.86% | 11.79% | +502 bps | |
| Net Interest Margin | 3.59% | 3.35% | 3.37% | 3.49% | 3.37% | 3.02% | 3.11% | 3.24% | -25 bps | |
| Efficiency Ratio | 85.63% | 86.39% | 85.54% | 84.16% | 83.11% | 88.91% | 87.29% | 86.27% | +211 bps | |
| Non-Interest Burden | 3.01% | 2.85% | 2.84% | 2.88% | 2.74% | 2.65% | 2.67% | 2.74% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.66% | 15.33% | 12.45% | 12.73% | 8.97% | 9.50% | 3.65% | 5.44% | -729 bps | |
| Loan Growth (YoY) | 6.23% | 8.92% | 9.45% | 2.72% | 2.83% | -3.06% | -5.35% | -2.60% | -532 bps | |
| Deposit Growth (YoY) | 19.37% | 16.78% | 13.44% | 13.82% | 9.60% | 10.33% | 3.98% | 5.70% | -812 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 | 0.14% | -0.03% | -0.23% | -0.16% | -0.08% | -0.05% | -0.01% | 0.00% | +16 bps | |
| Allowance / Loans | 1.31% | 1.39% | 1.44% | 1.47% | 1.47% | 1.64% | 1.58% | 1.12% | -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 | 12.50% | 12.22% | 12.22% | 12.25% | 12.49% | 12.44% | 12.57% | 12.56% | +31 bps | |
| Equity / Assets | 7.98% | 7.40% | 7.58% | 7.74% | 7.49% | 6.76% | 7.40% | 7.67% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.94% | 64.71% | 69.79% | 70.27% | 66.56% | 56.86% | 63.53% | 64.75% | -552 bps | |
| Liquid Assets / Assets | 0.33% | 0.33% | 0.17% | 0.22% | 0.22% | 0.59% | 0.62% | 0.42% | +21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |