Cando, ND · Cert 19765
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cando, ND · Cert 19765
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 | 1.21% | 1.08% | 1.40% | 0.94% | 0.66% | 0.64% | 0.92% | 0.64% | -30 bps | |
| Return on Equity | 13.19% | 11.61% | 14.95% | 9.96% | 6.82% | 6.65% | 9.36% | 6.53% | -342 bps | |
| Net Interest Margin | 3.19% | 3.35% | 3.53% | 3.48% | 3.32% | 3.17% | 3.24% | 3.11% | -37 bps | |
| Efficiency Ratio | 74.81% | 77.55% | 73.40% | 77.62% | 84.82% | 85.41% | 81.32% | 85.99% | +837 bps | |
| Non-Interest Burden | 1.81% | 2.11% | 1.82% | 2.10% | 2.52% | 2.41% | 2.17% | 2.37% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.71% | 11.48% | 2.15% | 2.07% | -0.89% | 4.56% | 6.24% | 5.03% | +296 bps | |
| Loan Growth (YoY) | 1.47% | 2.90% | -0.14% | 2.23% | -1.18% | -7.26% | -2.36% | -6.71% | -893 bps | |
| Deposit Growth (YoY) | 8.31% | 8.40% | -2.65% | -2.32% | -1.96% | 3.74% | 6.54% | 5.19% | +751 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 | 0.16% | 0.08% | 0.14% | 0.27% | -0.06% | 0.22% | 0.35% | 0.48% | +21 bps | |
| Allowance / Loans | 1.01% | 0.97% | 1.03% | 1.27% | 1.40% | 1.29% | 1.11% | 1.02% | -25 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 | 12.97% | 12.93% | 13.55% | 13.72% | 14.32% | 15.02% | 15.01% | 15.21% | +150 bps | |
| Equity / Assets | 9.23% | 9.42% | 9.70% | 9.61% | 9.74% | 9.66% | 10.32% | 9.89% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.29% | 75.62% | 77.66% | 72.76% | 67.83% | 67.61% | 71.17% | 64.53% | -823 bps | |
| Liquid Assets / Assets | 2.74% | 2.88% | 2.82% | 3.60% | 9.46% | 12.72% | 11.55% | 9.72% | +611 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |