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First State Bank of La Moure, The

La Moure, ND · Cert 13368

FDIC

Q4 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First State Bank of La Moure, The

La Moure, ND · Cert 13368

FDIC

Q4 2004

$95.3MAssets
$77.8MLoans
$56.7MDeposits
$10.9MEquity
Loan mix
71%RE $24.8M29%C&I $10.1M0%Consumer $0.1MQ4 2003Q4 2004
Deposit mix
79%Interest-bearing $44.7M21%Noninterest $12.1MQ4 2003Q4 2004

NIM

3.77%Q4 ’025.36%Q4 ’035.22%Q4 ’04+60%+2%

Non-interest income vs. expense

1.55%Q4 ’022.57%Q4 ’032.63%Q4 ’04+68%+3%

Executive Summary

  • Earnings: ROA of 1.38%, unchanged from a year ago; NIM at 3.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 137.20% of deposits as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

1.38%0 bps YoY

Net Interest Margin (YTD, annualized)

3.94%+6 bps YoY

Efficiency Ratio (YTD, annualized)

61.46%+68 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets1.38%1.37%1.48%1.46%1.38%0 bps
Return on Equity12.23%11.63%12.87%12.90%12.17%-6 bps
Net Interest Margin3.88%4.12%4.05%3.96%3.94%+6 bps
Efficiency Ratio60.78%63.26%61.69%60.24%61.46%+68 bps
Non-Interest Burden2.32%2.57%2.44%2.34%2.38%+7 bps
Growth
Asset Growth (YoY)1.55%5.20%4.13%7.49%7.59%+605 bps
Loan Growth (YoY)4.10%5.18%6.03%10.03%11.23%+713 bps
Deposit Growth (YoY)-4.36%4.54%-5.23%-8.84%-4.34%+1 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.27%0.17%0.14%+13 bps
Allowance / Loans1.35%1.30%1.06%1.10%1.23%-12 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.74%11.44%10.69%10.63%11.26%-48 bps
Equity / Assets11.82%11.68%11.04%10.92%11.46%-35 bps
Liquidity & Funding
Loans / Deposits117.99%113.99%144.16%157.38%137.20%+1,921 bps
Liquid Assets / Assets1.26%0.13%0.06%0.02%0.04%-123 bps
CRE / Total Capitaln/an/an/an/an/an/an/a