Bismarck, ND · Charter 62384
Q3 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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.23% | -0.22% | -0.29% | -0.29% | -0.43% | -0.36% | -0.53% | -24 bps | |
| Return on Equity | -5.24% | -2.79% | -2.66% | -3.66% | -3.55% | -5.42% | -4.54% | -6.62% | -296 bps | |
| Net Interest Margin | 2.00% | 1.73% | 1.74% | 1.72% | 1.78% | 1.66% | 1.67% | 1.75% | +3 bps | |
| Efficiency Ratio | 115.42% | 110.13% | 109.44% | 112.72% | 112.11% | 116.65% | 113.61% | 120.73% | +801 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.12% | 10.46% | 7.46% | 8.10% | 4.19% | 1.58% | -1.73% | -5.70% | -1,380 bps | |
| Loan Growth (YoY) | 0.89% | 8.24% | 7.72% | 0.89% | 1.43% | -2.83% | -3.15% | -6.47% | -736 bps | |
| Share Growth (YoY) | 14.20% | 11.96% | 8.48% | 9.24% | 4.74% | 2.14% | -1.55% | -5.89% | -1,513 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.25% | 0.41% | 0.69% | 0.87% | 0.45% | 0.73% | 0.97% | 1.09% | +22 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 | 0.28% | 0.28% | 0.32% | 0.31% | 0.24% | 0.31% | 0.37% | 0.39% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.72% | 8.31% | 8.23% | 8.01% | 8.09% | 7.85% | 8.01% | 8.03% | +2 bps | |
| Net Worth / Assets | 8.72% | 8.31% | 8.23% | 8.01% | 8.09% | 7.85% | 8.01% | 8.03% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.70% | 32.59% | 32.57% | 32.67% | 32.64% | 31.00% | 32.04% | 32.47% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |