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First NB of Devils Lake

Devils Lake, ND · Cert 3913

FDIC

Q3 1997

$70.6MAssets
$37.1MLoans
$56.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.10%, down 68 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.64% of deposits as of Q3 1997.

Return on Assets (YTD, annualized)

0.10%-68 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997YoY ΔTrend
Earnings
Return on Assets1.04%0.50%0.72%0.77%0.76%0.93%0.86%0.10%-68 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)9.62%15.24%11.17%11.02%5.82%-0.63%1.73%11.64%+62 bps
Loan Growth (YoY)14.47%15.03%14.52%14.22%19.05%14.31%10.63%0.57%-1,365 bps
Deposit Growth (YoY)7.95%14.83%9.42%12.57%6.80%-1.16%4.62%6.85%-572 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits64.07%62.15%71.97%69.73%71.42%71.87%76.10%65.64%-410 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a