PackageTrendsPeer
Letter portraitLegal landscape

First Capital Bank of North Dakota

West Fargo, ND · Cert 15888

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Capital Bank of North Dakota

West Fargo, ND · Cert 15888

FDIC

Q3 2001

$19.6MAssets
$14.6MLoans
$16.0MDeposits
$2.4MEquity
Deposit mix
87%Interest-bearing $13.9M13%Noninterest $2.0MQ4 1999Q3 2001

Executive Summary

  • Earnings: ROA of 0.34%, down 3 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.10%.
  • Funding: loans stand at 91.23% of deposits as of Q3 2001.

Return on Assets (YTD, annualized)

0.34%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.61%

Efficiency Ratio (YTD, annualized)

85.37%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.80%Q1 ’017.92%Q2 ’017.55%Q3 ’01+2%-1%

Non-interest income vs. expense

3.91%Q1 ’013.58%Q2 ’013.29%Q3 ’01-10%-8%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-0.55%-0.12%0.34%0.37%0.15%-0.25%0.07%0.34%-3 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/a3.55%3.63%3.61%n/a
Efficiency Ration/an/an/an/an/a103.89%92.16%85.37%n/a
Non-Interest Burdenn/an/an/an/an/a3.70%3.33%3.04%n/a
Growth
Asset Growth (YoY)1.07%1.38%20.08%19.99%42.95%15.24%-5.83%2.41%-1,758 bps
Loan Growth (YoY)39.77%77.35%99.21%68.48%64.91%35.37%23.13%30.51%-3,798 bps
Deposit Growth (YoY)-2.59%-9.12%-12.19%3.96%3.25%24.52%22.57%13.56%+959 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/a0.04%0.10%0.10%n/a
Allowance / Loansn/an/an/an/an/a2.58%2.12%1.76%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/a19.27%17.77%15.99%n/a
Equity / Assetsn/an/an/an/an/a12.47%13.37%12.28%n/a
Liquidity & Funding
Loans / Deposits50.51%58.80%82.41%79.38%80.67%63.93%82.79%91.23%+1,185 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%1.33%1.25%1.12%+112 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a