Portland, ND · Charter 60859
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | -0.13% | -2.68% | -0.05% | 0.00% | 0.06% | 0.40% | 0.44% | +50 bps | |
| Return on Equity | 8.87% | -1.95% | -44.74% | -0.88% | 0.05% | 1.02% | 6.77% | 7.51% | +839 bps | |
| Net Interest Margin | 3.88% | 3.92% | 3.48% | 3.76% | 4.28% | 4.20% | 3.90% | 4.17% | +40 bps | |
| Efficiency Ratio | 78.35% | 78.81% | 84.82% | 77.24% | 68.04% | 70.87% | 82.03% | 72.50% | -474 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.26% | 18.59% | 32.83% | 21.50% | 3.68% | 8.73% | 4.72% | 9.92% | -1,158 bps | |
| Loan Growth (YoY) | 36.60% | 33.12% | 29.00% | 13.71% | 2.85% | 5.78% | 2.36% | -1.21% | -1,492 bps | |
| Share Growth (YoY) | 14.11% | 20.69% | 35.04% | 21.41% | 11.16% | 9.53% | 4.35% | 12.56% | -885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 2.48% | 2.76% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 1.37% | 1.43% | 0.61% | 0.79% | 1.02% | 1.09% | 1.55% | +93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.30% | 6.62% | 5.99% | 6.03% | 6.45% | 6.16% | 5.88% | 5.90% | -13 bps | |
| Net Worth / Assets | 7.30% | 6.62% | 5.99% | 6.03% | 6.45% | 6.16% | 5.88% | 5.90% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.98% | 98.53% | 86.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |