La Moure, ND · Cert 13368
FDIC
Q4 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.21% | 1.34% | 1.38% | 1.37% | 1.48% | 1.46% | 1.38% | 0 bps | |
| Return on Equity | 8.46% | 10.88% | 12.06% | 12.23% | 11.63% | 12.87% | 12.90% | 12.17% | -6 bps | |
| Net Interest Margin | 3.61% | 3.72% | 3.70% | 3.88% | 4.12% | 4.05% | 3.96% | 3.94% | +6 bps | |
| Efficiency Ratio | 66.05% | 61.74% | 60.04% | 60.78% | 63.26% | 61.69% | 60.24% | 61.46% | +68 bps | |
| Non-Interest Burden | 2.36% | 2.26% | 2.19% | 2.32% | 2.57% | 2.44% | 2.34% | 2.38% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.09% | 13.31% | 7.95% | 1.55% | 5.20% | 4.13% | 7.49% | 7.59% | +605 bps | |
| Loan Growth (YoY) | 22.06% | 14.83% | 10.20% | 4.10% | 5.18% | 6.03% | 10.03% | 11.23% | +713 bps | |
| Deposit Growth (YoY) | 17.63% | 3.49% | -1.81% | -4.36% | 4.54% | -5.23% | -8.84% | -4.34% | +1 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 | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.27% | 0.17% | 0.14% | +13 bps | |
| Allowance / Loans | 1.27% | 1.25% | 1.27% | 1.35% | 1.30% | 1.06% | 1.10% | 1.23% | -12 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 | 10.54% | 10.60% | 10.94% | 11.74% | 11.44% | 10.69% | 10.63% | 11.26% | -48 bps | |
| Equity / Assets | 11.24% | 10.99% | 11.15% | 11.82% | 11.68% | 11.04% | 10.92% | 11.46% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.31% | 128.86% | 130.39% | 117.99% | 113.99% | 144.16% | 157.38% | 137.20% | +1,921 bps | |
| Liquid Assets / Assets | 0.05% | 0.04% | 0.12% | 1.26% | 0.13% | 0.06% | 0.02% | 0.04% | -123 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |