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Capital

Bismarck, ND · Charter 60884

Q1 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Capital

Bismarck, ND · Charter 60884

Q1 2013

$318.2MAssets
$206.1MLoans
$282.8MShares
$31.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, down 29 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.23% of loans (-20 bps YoY).
  • Capital: net worth / assets of 9.80%, up 36 bps from a year ago.
  • Funding: loans stand at 72.88% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

0.77%-29 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+14 bps YoY

Efficiency Ratio (YTD, annualized)

83.09%+537 bps YoY

Net Worth / Assets

9.80%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.50%0.46%0.63%1.06%0.92%0.90%0.91%0.77%-29 bps
Return on Equity4.86%4.73%6.54%11.19%9.68%9.56%9.79%7.85%-334 bps
Net Interest Margin3.33%3.17%3.07%2.91%2.88%2.87%2.83%3.05%+14 bps
Efficiency Ratio84.15%85.92%82.67%77.72%79.72%80.33%78.96%83.09%+537 bps
Growth
Asset Growth (YoY)3.96%11.12%14.79%11.84%18.60%14.88%14.58%5.68%-616 bps
Loan Growth (YoY)3.72%7.68%10.33%11.55%9.63%11.10%14.07%18.89%+734 bps
Share Growth (YoY)7.41%10.04%13.29%15.02%15.96%16.28%19.29%13.93%-110 bps
Asset Quality
Delinquent Loans / Loans0.32%0.43%0.47%0.43%0.32%0.19%0.15%0.23%-20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.83%0.81%0.77%0.71%0.65%0.62%0.64%0.62%-9 bps
Capital
Risk-Based Capital10.31%9.74%9.69%9.44%9.52%9.41%9.34%9.80%+36 bps
Net Worth / Assets10.31%9.74%9.69%9.44%9.52%9.41%9.34%9.80%+36 bps
Liquidity & Funding
Loans / Shares77.07%75.59%74.55%69.84%72.86%72.22%71.28%72.88%+304 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps