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First State Bank Langdon

Langdon, ND · Cert 16163

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 State Bank Langdon

Langdon, ND · Cert 16163

FDIC

Q3 2001

$69.1MAssets
$47.1MLoans
$54.2MDeposits
$7.1MEquity
Loan mix
49%RE $9.5M50%C&I $9.7M1%Consumer $0.3MQ3 2000Q3 2001
Deposit mix
88%Interest-bearing $47.5M12%Noninterest $6.7MQ3 2000Q3 2001

NIM

7.81%Q1 ’017.92%Q2 ’017.70%Q3 ’01+4%-1%

Non-interest income vs. expense

2.50%Q1 ’012.59%Q2 ’012.55%Q3 ’01+3%-1%

Executive Summary

  • Earnings: ROA of 1.20%, up 3 bps year over year; NIM at 3.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.89%.
  • Funding: loans stand at 87.02% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.20%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.85%

Efficiency Ratio (YTD, annualized)

62.79%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets1.17%0.95%0.91%1.15%1.20%+3 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a3.75%3.91%3.85%n/a
Efficiency Ration/an/a63.13%62.56%62.79%n/a
Non-Interest Burdenn/an/a2.29%2.36%2.34%n/a
Growth
Asset Growth (YoY)4.34%4.18%4.82%0.22%1.40%-294 bps
Loan Growth (YoY)3.89%6.68%10.05%10.86%11.40%+751 bps
Deposit Growth (YoY)4.17%3.32%-0.93%-4.44%0.18%-398 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a1.88%1.41%0.89%n/a
Allowance / Loansn/an/a1.91%1.52%1.48%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/a13.80%13.68%13.48%n/a
Equity / Assetsn/an/a9.37%10.11%10.22%n/a
Liquidity & Funding
Loans / Deposits78.26%76.28%74.62%86.95%87.02%+876 bps
Liquid Assets / Assets0.00%0.00%0.55%1.21%0.40%+40 bps
CRE / Total Capitaln/an/an/an/an/an/an/a