Dickinson, ND · Charter 62684
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.07% | -0.20% | 0.07% | -2.84% | -2.02% | -1.46% | -14.98% | -1,506 bps | |
| Return on Equity | 0.72% | 0.45% | -1.20% | 0.47% | -20.14% | -14.72% | -8.90% | -1106% | -110,600 bps | |
| Net Interest Margin | 3.30% | 2.96% | 2.92% | 2.70% | 2.84% | 2.54% | 3.51% | -10.38% | -1,308 bps | |
| Efficiency Ratio | 96.42% | 97.56% | 106.93% | 109.54% | 123.31% | 111.80% | 102.80% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.60% | 6.17% | 17.26% | 17.42% | 11.63% | 9.98% | -2.46% | -3.53% | -2,095 bps | |
| Loan Growth (YoY) | -16.36% | -17.30% | -6.71% | -6.84% | -8.95% | 0.91% | -6.39% | -5.32% | +153 bps | |
| Share Growth (YoY) | 13.73% | 6.43% | 21.16% | 21.30% | 14.84% | 13.19% | -1.97% | 12.97% | -833 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 3.84% | 3.83% | 3.87% | 3.70% | 3.48% | 2.93% | 3.38% | -49 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 | 6.13% | 7.04% | 5.92% | 4.92% | 5.24% | 5.42% | 4.92% | 5.20% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.49% | 16.14% | 16.87% | 15.76% | 14.10% | 13.71% | 16.43% | 1.36% | -1,441 bps | |
| Net Worth / Assets | 16.49% | 16.14% | 16.87% | 15.76% | 14.10% | 13.71% | 16.43% | 1.36% | -1,441 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.62% | 26.02% | 32.96% | 28.08% | 24.28% | 23.20% | 31.48% | 23.53% | -455 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |