Glen Ullin, ND · Charter 62686
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 1.91% | -1.08% | -1.25% | -1.65% | 1.18% | -1.75% | 0.08% | +133 bps | |
| Return on Equity | 6.30% | 17.04% | -11.11% | -12.64% | -17.58% | 11.24% | -19.07% | 0.83% | +1,347 bps | |
| Net Interest Margin | 5.46% | 5.46% | 5.54% | 4.34% | 4.73% | 4.76% | 4.01% | 3.80% | -54 bps | |
| Efficiency Ratio | 88.09% | 65.49% | 63.63% | 75.16% | 111.35% | 68.34% | 142.38% | 97.99% | +2,282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.12% | -1.51% | -4.36% | -3.19% | -1.97% | -0.76% | 2.87% | 5.36% | +855 bps | |
| Loan Growth (YoY) | 7.89% | -6.59% | -3.54% | -7.18% | -13.52% | -12.80% | -24.58% | -24.66% | -1,748 bps | |
| Share Growth (YoY) | -0.01% | -1.57% | -2.14% | -2.81% | -0.82% | -0.02% | 3.50% | 5.87% | +868 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.63% | 13.88% | 13.62% | 13.33% | 6.63% | 17.94% | 14.06% | 12.51% | -82 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 | 1.65% | 1.79% | 4.92% | 4.21% | 4.49% | 4.84% | 6.77% | 6.82% | +261 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 11.19% | 9.74% | 9.92% | 9.39% | 10.53% | 9.18% | 9.49% | -43 bps | |
| Net Worth / Assets | 10.44% | 11.19% | 9.74% | 9.92% | 9.39% | 10.53% | 9.18% | 9.49% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.13% | 82.41% | 84.39% | 84.53% | 77.71% | 71.88% | 61.50% | 60.15% | -2,437 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |