Bismarck, ND · Charter 62133
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Bismarck, ND · Charter 62133
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.41% | 0.35% | 0.37% | 0.48% | 0.61% | 0.68% | 0.73% | 0.79% | +31 bps | |
| Return on Equity | 2.77% | 2.31% | 2.31% | 2.98% | 3.58% | 4.07% | 4.02% | 4.25% | +127 bps | |
| Net Interest Margin | 2.76% | 2.78% | 2.97% | 2.92% | 3.13% | 3.08% | 3.49% | 3.57% | +65 bps | |
| Efficiency Ratio | 84.96% | 87.26% | 87.63% | 83.61% | 80.68% | 78.04% | 79.17% | 77.92% | -569 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | -3.48% | -4.86% | -8.41% | -8.63% | -3.90% | -9.02% | -9.10% | -69 bps | |
| Loan Growth (YoY) | -14.56% | -14.19% | -11.06% | -10.86% | -7.14% | -8.15% | -11.62% | -9.39% | +147 bps | |
| Share Growth (YoY) | -3.40% | -4.49% | -6.14% | -10.18% | -10.73% | -5.39% | -11.48% | -11.79% | -161 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.30% | 0.13% | 0.13% | 0.18% | 0.24% | 0.62% | 0.38% | +25 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 | 1.17% | 1.21% | 1.23% | 1.25% | 1.26% | 1.32% | 1.39% | 1.38% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.00% | 15.35% | 15.86% | 16.07% | 16.94% | 16.65% | 18.12% | 18.55% | +248 bps | |
| Net Worth / Assets | 15.00% | 15.35% | 15.86% | 16.07% | 16.94% | 16.65% | 18.12% | 18.55% | +248 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.10% | 46.33% | 47.27% | 46.98% | 48.99% | 44.98% | 47.20% | 48.26% | +128 bps | |
| Liquid Assets / Assets | 46.17% | 54.56% | 53.97% | 48.86% | 47.11% | 47.73% | 48.40% | 59.39% | +1,053 bps | |