Streeter, ND · Cert 15040
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 1.13% | 1.58% | 1.35% | -0.42% | 1.28% | 1.90% | -2.37% | -373 bps | |
| Return on Equity | 1.27% | 7.65% | 10.60% | 8.89% | -2.83% | 8.66% | 11.91% | -15.95% | -2,484 bps | |
| Net Interest Margin | 3.68% | 4.03% | 3.67% | 3.96% | 4.03% | 4.06% | 4.25% | -6.63% | -1,059 bps | |
| Efficiency Ratio | 100.00% | 75.00% | 60.47% | 68.48% | 107.37% | 71.28% | 58.24% | 64.58% | -389 bps | |
| Non-Interest Burden | 3.68% | 2.92% | 2.09% | 2.61% | 4.35% | 2.78% | 2.37% | -4.16% | -677 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 6.08% | 10.91% | 9.23% | 1.32% | -2.99% | -10.54% | -0.80% | -1,003 bps | |
| Loan Growth (YoY) | 5.44% | 3.35% | 1.25% | 8.66% | 5.16% | -2.14% | 5.03% | -6.15% | -1,481 bps | |
| Deposit Growth (YoY) | 3.01% | 5.55% | 11.05% | 10.88% | 3.01% | -2.39% | -11.52% | 1.74% | -914 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 | 0.00% | -0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.72% | 0.82% | 0.80% | 0.72% | 0.74% | 0.83% | 0.76% | 0.77% | +5 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 | 19.86% | 20.85% | 21.09% | 19.72% | 18.99% | 21.08% | 21.03% | 11.46% | -825 bps | |
| Equity / Assets | 14.78% | 14.74% | 15.10% | 15.35% | 14.46% | 15.14% | 16.75% | 13.18% | -217 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.47% | 75.07% | 76.27% | 86.57% | 82.16% | 75.27% | 90.54% | 79.86% | -671 bps | |
| Liquid Assets / Assets | 14.08% | 16.17% | 13.76% | 13.96% | 9.28% | 7.14% | 6.41% | 3.51% | -1,044 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |