Minot, ND · Cert 15445
FDIC
Q2 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 | 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% | 1.43% | 1.47% | 1.47% | 1.39% | 1.37% | 1.25% | 1.11% | -36 bps | |
| Return on Equity | 19.91% | 19.49% | 19.49% | 19.73% | 18.93% | 18.98% | 18.05% | 16.49% | -323 bps | |
| Net Interest Margin | 4.04% | 4.06% | 3.97% | 3.84% | 3.73% | 3.66% | 3.60% | 3.47% | -37 bps | |
| Efficiency Ratio | 53.81% | 53.67% | 57.49% | 57.61% | 56.99% | 55.68% | 59.29% | 59.99% | +237 bps | |
| Non-Interest Burden | 1.87% | 1.88% | 2.00% | 1.93% | 1.84% | 1.73% | 1.93% | 1.87% | -6 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 | 0.41% | 0.39% | 0.07% | 0.13% | 0.16% | 0.18% | 0.10% | 0.06% | -7 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 |