Minto, ND · Cert 17829
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.40% | 1.54% | 1.46% | 1.51% | 1.52% | 1.53% | 1.51% | +5 bps | |
| Return on Equity | 10.92% | 12.57% | 13.35% | 12.89% | 13.37% | 13.07% | 12.75% | 12.76% | -14 bps | |
| Net Interest Margin | 3.67% | 3.75% | 3.85% | 3.95% | 3.74% | 3.84% | 3.83% | 3.73% | -22 bps | |
| Efficiency Ratio | 65.64% | 61.04% | 59.18% | 58.30% | 58.01% | 57.92% | 59.29% | 59.62% | +132 bps | |
| Non-Interest Burden | 2.32% | 2.18% | 2.15% | 2.17% | 2.07% | 2.11% | 2.15% | 2.11% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.81% | 7.68% | 13.12% | -2.80% | -4.75% | 4.86% | 3.04% | -2.52% | +29 bps | |
| Loan Growth (YoY) | 8.58% | 17.34% | 12.81% | 14.79% | 9.87% | -0.19% | 0.01% | -10.29% | -2,509 bps | |
| Deposit Growth (YoY) | 23.66% | 8.10% | 10.30% | -3.48% | -5.42% | 5.13% | 7.33% | -3.19% | +29 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 | -0.08% | -0.05% | 0.21% | 0.18% | 0.00% | 0.00% | -0.02% | -0.01% | -19 bps | |
| Allowance / Loans | 2.01% | 1.74% | 1.44% | 1.60% | 1.84% | 1.74% | 1.64% | 1.79% | +19 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 | 25.82% | 25.73% | 24.51% | 21.44% | 25.17% | 20.91% | 24.64% | 23.10% | +166 bps | |
| Equity / Assets | 11.43% | 12.35% | 12.82% | 10.49% | 12.27% | 12.32% | 13.02% | 11.21% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.45% | 59.28% | 66.99% | 54.01% | 53.96% | 56.28% | 62.42% | 50.04% | -396 bps | |
| Liquid Assets / Assets | 16.44% | 16.94% | 15.18% | 16.43% | 17.03% | 17.77% | 15.44% | 15.76% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |