Moorhead, MN · Cert 34349
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 | 1.13% | 1.13% | 1.18% | 1.20% | 1.19% | 1.25% | 1.20% | 1.28% | +8 bps | |
| Return on Equity | n/a | n/a | 15.74% | 15.83% | 15.60% | 16.14% | 14.44% | 15.60% | -23 bps | |
| Net Interest Margin | 3.45% | 3.38% | 3.70% | 3.64% | 3.68% | 3.59% | 3.64% | 3.58% | -6 bps | |
| Efficiency Ratio | 51.08% | 51.06% | 48.92% | 47.87% | 45.92% | 45.62% | 47.20% | 45.80% | -206 bps | |
| Non-Interest Burden | 1.57% | 1.52% | 1.58% | 1.54% | 1.48% | 1.41% | 1.47% | 1.37% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.92% | 16.15% | 11.14% | 15.61% | 17.40% | 11.47% | 11.10% | 9.66% | -595 bps | |
| Loan Growth (YoY) | 29.20% | 20.58% | 23.43% | 19.65% | 23.84% | 15.91% | 13.00% | 13.65% | -600 bps | |
| Deposit Growth (YoY) | 17.63% | 16.75% | 10.92% | 16.13% | 12.63% | 10.46% | 10.18% | 9.75% | -638 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 | -0.02% | -0.02% | 0.01% | 0.00% | 0.01% | 0.02% | 0.00% | 0.02% | +2 bps | |
| Allowance / Loans | 1.28% | 1.28% | 1.25% | 1.22% | 1.28% | 1.35% | 1.35% | 1.27% | +5 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 | 10.23% | 10.20% | 10.34% | 10.16% | 10.40% | 11.15% | 11.41% | 10.41% | +25 bps | |
| Equity / Assets | 7.54% | 7.38% | 7.63% | 7.71% | 7.83% | 8.15% | 8.51% | 7.88% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.08% | 83.19% | 88.35% | 91.33% | 95.75% | 87.29% | 90.62% | 94.57% | +324 bps | |
| Liquid Assets / Assets | 0.89% | 0.78% | 0.68% | 0.48% | 0.38% | 0.31% | 0.23% | 0.17% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |