Fargo, ND · Charter 62409
Q2 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -0.28% | 0.02% | -0.26% | -0.17% | -0.17% | -0.69% | -0.76% | -50 bps | |
| Return on Equity | -7.24% | -2.83% | 0.17% | -2.69% | -1.68% | -1.54% | -6.57% | -7.48% | -479 bps | |
| Net Interest Margin | 1.75% | 1.88% | 2.26% | 2.08% | 2.08% | 2.32% | 1.61% | 1.51% | -57 bps | |
| Efficiency Ratio | 119.96% | 106.93% | 99.26% | 107.09% | 104.25% | 101.53% | 143.00% | 150.68% | +4,358 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.41% | 4.98% | 2.22% | -3.38% | -4.00% | -14.39% | -11.20% | -8.27% | -489 bps | |
| Loan Growth (YoY) | 37.40% | 28.75% | -8.71% | -17.54% | -7.90% | -18.15% | -27.08% | -29.27% | -1,173 bps | |
| Share Growth (YoY) | 10.12% | 5.93% | 2.67% | -3.39% | -4.35% | -15.70% | -11.99% | -8.62% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.07% | 0.00% | 0.00% | 0.00% | 0.07% | 0.06% | 0.07% | +7 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 | 0.14% | 0.09% | 0.16% | 0.45% | 0.21% | 0.49% | 0.39% | 0.33% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.72% | 9.77% | 9.68% | 9.75% | 9.85% | 11.08% | 10.56% | 10.23% | +48 bps | |
| Net Worth / Assets | 9.72% | 9.77% | 9.68% | 9.75% | 9.85% | 11.08% | 10.56% | 10.23% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.06% | 25.72% | 24.41% | 22.89% | 23.16% | 24.97% | 20.22% | 17.71% | -517 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |