PackageTrendsPeer
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First National Bank

Bowbells, ND · Cert 3903

FDIC

Q1 2001

$41.9MAssets
$20.6MLoans
$37.3MDeposits
$3.9MEquity
Loan mix
66%RE $6.7M33%C&I $3.4M1%Consumer $0.1MQ1 2000Q1 2001
Deposit mix
90%Interest-bearing $33.7M10%Noninterest $3.7MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 0.45%, down 17 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.54%.
  • Funding: loans stand at 55.05% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

0.45%-17 bps YoY

Net Interest Margin (quarter, annualized)

3.35%

Efficiency Ratio (quarter, annualized)

81.80%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets0.62%0.77%0.71%0.68%0.45%-17 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.35%n/an/a
Efficiency Ration/an/an/an/a81.80%n/an/a
Non-Interest Burdenn/an/an/an/a2.64%n/an/a
Growth
Asset Growth (YoY)-0.84%-1.76%-3.07%1.46%6.52%+737 bps
Loan Growth (YoY)7.22%6.30%3.14%2.13%7.52%+30 bps
Deposit Growth (YoY)-1.06%-4.20%-4.78%0.23%6.90%+796 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.54%n/an/a
Allowance / Loansn/an/an/an/a2.44%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a17.34%n/an/a
Equity / Assetsn/an/an/an/a9.40%n/an/a
Liquidity & Funding
Loans / Deposits54.73%62.95%64.52%57.92%55.05%+32 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%1.79%+179 bps
CRE / Total Capitaln/an/an/an/an/an/an/a