Fargo, ND · Cert 3924
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.90% | 1.76% | 1.91% | 1.77% | 1.85% | 1.70% | 1.78% | 1.64% | -14 bps | |
| Return on Equity | 19.65% | 18.01% | 18.53% | 17.65% | 19.43% | 18.46% | 20.54% | 19.09% | +145 bps | |
| Net Interest Margin | 4.67% | 4.62% | 4.61% | 4.56% | 4.54% | 4.44% | 4.40% | 4.33% | -23 bps | |
| Efficiency Ratio | 49.80% | 51.88% | 50.42% | 52.90% | 52.11% | 54.73% | 52.03% | 55.16% | +226 bps | |
| Non-Interest Burden | 1.63% | 1.73% | 1.63% | 1.66% | 1.68% | 1.78% | 1.58% | 1.78% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 2.15% | -0.21% | -2.40% | -6.18% | -4.69% | -0.20% | -0.27% | +214 bps | |
| Loan Growth (YoY) | -4.21% | -4.34% | -6.19% | -7.91% | -7.05% | -5.27% | 0.16% | 3.42% | +1,133 bps | |
| Deposit Growth (YoY) | -1.75% | -1.01% | -1.45% | -5.84% | -5.88% | -3.21% | -1.53% | 0.40% | +624 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 | 0.36% | 0.54% | 0.50% | 0.43% | 0.48% | 0.25% | 0.25% | 0.18% | -24 bps | |
| Allowance / Loans | 1.57% | 1.57% | 1.58% | 1.61% | 1.57% | 1.58% | 1.53% | 1.52% | -8 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 | 12.07% | 13.16% | 13.73% | 12.29% | 12.36% | 11.58% | 11.30% | 11.21% | -108 bps | |
| Equity / Assets | 9.50% | 10.04% | 10.54% | 9.53% | 9.48% | 8.98% | 8.37% | 8.77% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.55% | 76.87% | 76.75% | 76.80% | 75.60% | 75.23% | 78.06% | 79.11% | +231 bps | |
| Liquid Assets / Assets | 0.01% | 0.12% | 0.08% | 0.05% | 0.05% | 0.02% | 0.03% | 0.04% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |