Bismarck, ND · Charter 60884
Q1 2013
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.46% | 0.63% | 1.06% | 0.92% | 0.90% | 0.91% | 0.77% | -29 bps | |
| Return on Equity | 4.86% | 4.73% | 6.54% | 11.19% | 9.68% | 9.56% | 9.79% | 7.85% | -334 bps | |
| Net Interest Margin | 3.33% | 3.17% | 3.07% | 2.91% | 2.88% | 2.87% | 2.83% | 3.05% | +14 bps | |
| Efficiency Ratio | 84.15% | 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 / Loans | 0.32% | 0.43% | 0.47% | 0.43% | 0.32% | 0.19% | 0.15% | 0.23% | -20 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 | 0.83% | 0.81% | 0.77% | 0.71% | 0.65% | 0.62% | 0.64% | 0.62% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.31% | 9.74% | 9.69% | 9.44% | 9.52% | 9.41% | 9.34% | 9.80% | +36 bps | |
| Net Worth / Assets | 10.31% | 9.74% | 9.69% | 9.44% | 9.52% | 9.41% | 9.34% | 9.80% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.07% | 75.59% | 74.55% | 69.84% | 72.86% | 72.22% | 71.28% | 72.88% | +304 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |