Bemidji, MN · Charter 5976
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.24% | -0.68% | 0.07% | -0.03% | 0.00% | 0.30% | 0.48% | -4.58% | -454 bps | |
| Return on Equity | -3.14% | -9.50% | 0.87% | -0.45% | 0.02% | 3.78% | 6.12% | -115.02% | -11,458 bps | |
| Net Interest Margin | 4.28% | 2.95% | 3.87% | 3.74% | 3.83% | 3.91% | 3.95% | -0.65% | -439 bps | |
| Efficiency Ratio | 92.59% | 103.37% | 89.89% | 91.25% | 90.71% | 90.31% | 87.52% | 447% | +35,614 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 4.03% | 2.83% | -1.75% | -2.78% | -4.94% | 1.03% | 5.00% | +675 bps | |
| Loan Growth (YoY) | 5.65% | -1.29% | -2.12% | -3.72% | -3.15% | -6.69% | -9.66% | -12.54% | -882 bps | |
| Share Growth (YoY) | 4.75% | 5.88% | 1.09% | -2.52% | -3.36% | -5.14% | 3.32% | 6.17% | +870 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.71% | 1.61% | 0.54% | 0.49% | 1.41% | 1.12% | 0.58% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.57% | 0.65% | 0.84% | 0.78% | 0.71% | 0.83% | 0.26% | -58 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.59% | 7.20% | 7.76% | 7.76% | 7.81% | 7.83% | 7.89% | 3.98% | -378 bps | |
| Net Worth / Assets | 7.59% | 7.20% | 7.76% | 7.76% | 7.81% | 7.83% | 7.89% | 3.98% | -378 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.28% | 83.13% | 90.73% | 88.99% | 88.47% | 81.78% | 79.33% | 73.31% | -1,568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |