Streeter, ND · Cert 15040
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 1.13% | 1.36% | 1.36% | 0.91% | 1.28% | 1.59% | 0.27% | -108 bps | |
| Return on Equity | 3.19% | 7.65% | 9.12% | 9.06% | 6.13% | 8.66% | 10.30% | 1.85% | -721 bps | |
| Net Interest Margin | 3.57% | 4.03% | 3.86% | 3.90% | 3.88% | 4.06% | 4.25% | 0.74% | -316 bps | |
| Efficiency Ratio | 86.63% | 75.00% | 68.13% | 68.25% | 78.32% | 71.28% | 64.86% | 64.58% | -366 bps | |
| Non-Interest Burden | 3.04% | 2.92% | 2.51% | 2.55% | 2.96% | 2.78% | 2.64% | 0.45% | -210 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 | -0.02% | -0.23% | -0.11% | -0.07% | -0.05% | 0.00% | 0.00% | 0.00% | +7 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 |