Portland, ND · Charter 60859
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, ND · Charter 60859
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.00% | 0.06% | 0.40% | 0.44% | +50 bps | |
| Return on Equity | -0.88% | 0.05% | 1.02% | 6.77% | 7.51% | +839 bps | |
| Net Interest Margin | 3.76% | 4.28% | 4.20% | 3.90% | 4.17% | +40 bps | |
| Efficiency Ratio | 77.24% | 68.04% | 70.87% | 82.03% | 72.50% | -474 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.50% | 3.68% | 8.73% | 4.72% | 9.92% | -1,158 bps | |
| Loan Growth (YoY) | 13.71% | 2.85% | 5.78% | 2.36% | -1.21% | -1,492 bps | |
| Share Growth (YoY) | 21.41% | 11.16% | 9.53% | 4.35% | 12.56% | -885 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 3.12% | 3.57% | 2.35% | 1.40% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.79% | 1.02% | 1.09% | 1.55% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.03% | 6.45% | 6.16% | 5.88% | 5.90% | -13 bps | |
| Net Worth / Assets | 6.03% | 6.45% | 6.16% | 5.88% | 5.90% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.81% | 99.91% | 95.16% | 85.14% | 81.45% | -1,136 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |