Minot, ND · Cert 15445
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.37% | 1.47% | 1.49% | 1.22% | 1.33% | 1.25% | 0.99% | -51 bps | |
| Return on Equity | 19.33% | 18.18% | 19.49% | 20.07% | 17.05% | 19.29% | 18.05% | 14.65% | -542 bps | |
| Net Interest Margin | 4.15% | 4.02% | 3.97% | 3.85% | 3.69% | 3.58% | 3.60% | 3.41% | -43 bps | |
| Efficiency Ratio | 52.89% | 53.22% | 57.49% | 57.73% | 55.76% | 51.77% | 59.29% | 60.69% | +296 bps | |
| Non-Interest Burden | 1.86% | 1.83% | 2.00% | 1.94% | 1.76% | 1.47% | 1.93% | 1.85% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.09% | -2.51% | -1.98% | 3.80% | 2.95% | 6.75% | 5.62% | 2.91% | -88 bps | |
| Loan Growth (YoY) | -3.14% | -5.30% | -0.80% | 1.67% | 1.14% | 2.67% | -2.04% | 3.76% | +209 bps | |
| Deposit Growth (YoY) | -6.81% | -6.37% | -3.62% | -0.97% | -0.44% | 8.83% | 12.93% | 6.74% | +771 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 | 1.07% | 0.30% | 0.07% | 0.20% | 0.22% | 0.23% | 0.10% | 0.03% | -17 bps | |
| Allowance / Loans | 1.52% | 1.52% | 1.55% | 1.48% | 1.50% | 1.50% | 1.59% | 1.48% | -1 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 | 11.30% | 11.21% | 11.05% | 10.90% | 10.76% | 10.99% | 11.50% | 10.46% | -44 bps | |
| Equity / Assets | 7.54% | 7.53% | 7.56% | 7.32% | 7.01% | 6.76% | 7.06% | 6.42% | -90 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.25% | 79.21% | 78.39% | 82.45% | 81.52% | 74.72% | 68.00% | 80.15% | -230 bps | |
| Liquid Assets / Assets | 3.66% | 3.63% | 3.62% | 3.59% | 3.60% | 3.74% | 4.04% | 3.88% | +29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |