West Fargo, ND · Cert 19037
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.10% | 0.90% | 0.92% | 0.80% | 1.01% | 0.83% | 0.85% | -7 bps | |
| Return on Equity | 12.72% | 14.57% | 11.76% | 12.17% | 10.27% | 12.09% | 9.79% | 10.62% | -155 bps | |
| Net Interest Margin | 3.42% | 3.69% | 3.72% | 3.69% | 3.76% | 3.65% | 3.40% | 3.39% | -30 bps | |
| Efficiency Ratio | 56.21% | 52.72% | 60.13% | 60.49% | 56.79% | 59.21% | 65.46% | 63.92% | +343 bps | |
| Non-Interest Burden | 1.81% | 1.84% | 2.14% | 2.15% | 2.03% | 2.05% | 2.12% | 2.06% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.71% | 10.35% | 8.53% | 14.33% | 9.65% | 7.94% | 8.95% | 2.18% | -1,215 bps | |
| Loan Growth (YoY) | 13.03% | 12.81% | 16.52% | 14.04% | 23.29% | 14.60% | 3.71% | 2.53% | -1,151 bps | |
| Deposit Growth (YoY) | 10.75% | 9.94% | 8.51% | 14.63% | 9.18% | 6.93% | 8.10% | 2.14% | -1,249 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 | 0.06% | 0.00% | 0.03% | 0.00% | 0.07% | 0.45% | 0.04% | -0.05% | -5 bps | |
| Allowance / Loans | 1.01% | 1.01% | 1.02% | 1.01% | 1.08% | 1.02% | 1.07% | 1.04% | +2 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 | 10.51% | 10.52% | 10.44% | 10.24% | 10.60% | 11.12% | 11.78% | 10.48% | +24 bps | |
| Equity / Assets | 7.43% | 7.67% | 7.62% | 7.53% | 8.12% | 8.54% | 8.49% | 7.61% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.21% | 77.73% | 79.03% | 77.51% | 82.67% | 83.30% | 75.82% | 77.81% | +29 bps | |
| Liquid Assets / Assets | 1.87% | 1.71% | 2.44% | 2.18% | 1.33% | 0.99% | 0.67% | 0.50% | -168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |