Grand Forks, ND · Cert 18764
FDIC
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.12% | 0.86% | 0.88% | 1.17% | 1.34% | 1.30% | 1.42% | +54 bps | |
| Return on Equity | n/a | n/a | 10.14% | 8.16% | 9.82% | 10.59% | 8.43% | 9.21% | +105 bps | |
| Net Interest Margin | 4.29% | 4.21% | 3.90% | 2.34% | 3.07% | 3.53% | 4.34% | 4.48% | +214 bps | |
| Efficiency Ratio | 67.92% | 67.88% | 74.70% | 52.49% | 54.59% | 55.20% | 60.17% | 59.35% | +686 bps | |
| Non-Interest Burden | 2.53% | 2.46% | 2.62% | 0.97% | 1.36% | 1.60% | 2.22% | 2.23% | +126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.41% | 12.24% | 3.11% | 12.17% | 15.83% | 8.83% | 10.10% | 2.26% | -991 bps | |
| Loan Growth (YoY) | -8.29% | -8.91% | -13.76% | -7.93% | -1.86% | 5.67% | 3.00% | 1.40% | +933 bps | |
| Deposit Growth (YoY) | 7.53% | 12.69% | 2.61% | 3.86% | 7.06% | -0.71% | 1.56% | 0.91% | -295 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 | 0.33% | 0.36% | 0.50% | 0.08% | 0.07% | 0.08% | 0.08% | 0.09% | +1 bps | |
| Allowance / Loans | 1.49% | 1.44% | 1.41% | 1.30% | 1.26% | 1.19% | 1.34% | 1.27% | -3 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 | 13.54% | 13.99% | 15.04% | 14.74% | 15.15% | 15.45% | 14.69% | 15.09% | +35 bps | |
| Equity / Assets | 8.63% | 8.09% | 8.85% | 14.96% | 15.26% | 15.46% | 15.35% | 15.44% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.22% | 61.37% | 62.42% | 63.86% | 63.45% | 65.31% | 63.31% | 64.18% | +31 bps | |
| Liquid Assets / Assets | 0.23% | 0.21% | 0.21% | 0.00% | 0.81% | 0.80% | 0.84% | 0.74% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |