Cando, ND · Cert 19765
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.93% | 2.07% | -0.44% | 0.66% | 0.63% | 1.47% | -0.17% | +28 bps | |
| Return on Equity | 13.19% | 9.93% | 21.62% | -4.60% | 6.82% | 6.46% | 14.68% | -1.67% | +294 bps | |
| Net Interest Margin | 3.19% | 3.47% | 3.65% | 3.52% | 3.32% | 3.15% | 3.28% | 3.12% | -40 bps | |
| Efficiency Ratio | 74.81% | 80.31% | 67.21% | 91.19% | 84.82% | 85.98% | 74.65% | 101.45% | +1,026 bps | |
| Non-Interest Burden | 1.81% | 2.39% | 1.09% | 3.03% | 2.52% | 2.41% | 1.61% | 3.22% | +19 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% | 0.00% | 0.28% | 0.65% | -0.06% | 0.49% | 0.63% | 0.81% | +15 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 |