PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $2.0MQ3 2000Q3 2001

NIM

7.80%Q1 ’017.72%Q2 ’017.97%Q3 ’01+0%+15%

Non-interest income vs. expense

3.91%Q1 ’013.09%Q2 ’013.25%Q3 ’01-24%+6%

Executive Summary

  • Earnings: ROA of 0.93%, up 55 bps year over year; NIM at 4.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 91.23% of deposits as of Q3 2001.

Financial Results

Return on Assets (quarter, annualized)

0.93%+55 bps YoY

Net Interest Margin (quarter, annualized)

4.09%

Efficiency Ratio (quarter, annualized)

74.19%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.37%0.15%-0.25%0.44%0.93%+55 bps
Return on Equityn/an/an/a3.41%7.23%n/a
Net Interest Marginn/an/a3.55%3.57%4.09%n/a
Efficiency Ration/an/a103.89%80.23%74.19%n/a
Non-Interest Burdenn/an/a3.70%2.81%2.96%n/a
Growth
Asset Growth (YoY)19.99%42.95%15.24%-5.83%2.41%-1,758 bps
Loan Growth (YoY)68.48%64.91%35.37%23.13%30.51%-3,798 bps
Deposit Growth (YoY)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 bps
Net Charge-Offs / Loansn/an/a0.04%0.16%0.14%n/a
Allowance / Loansn/an/a2.58%2.12%1.76%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a19.27%17.77%15.99%n/a
Equity / Assetsn/an/a12.47%13.37%12.28%n/a
Liquidity & Funding
Loans / Deposits79.38%80.67%63.93%82.79%91.23%+1,185 bps
Liquid Assets / Assets0.00%0.00%1.33%1.25%1.12%+112 bps
CRE / Total Capitaln/an/an/an/an/an/an/a