Bismarck, ND · Charter 62860
Q4 2000
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.38% | 4.59% | 4.65% | 4.30% | 4.08% | 0.77% | 0.89% | 0.90% | -339 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.22% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 5.24% | 5.24% | 5.18% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 86.42% | 84.58% | 83.69% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.68% | 8.50% | 10.23% | 9.85% | -2.07% | 0.59% | -0.97% | -2.03% | -1,188 bps | |
| Loan Growth (YoY) | 6.75% | 8.46% | -1.28% | -0.09% | -0.91% | -2.78% | 2.51% | 3.78% | +387 bps | |
| Share Growth (YoY) | 6.93% | 6.01% | 8.18% | 8.12% | -4.82% | -1.74% | -3.18% | -4.31% | -1,242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.81% | 0.22% | 0.14% | 0.13% | 0.25% | 0.00% | 0.13% | 3.62% | +349 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 | 0.25% | 0.24% | 0.25% | 0.26% | 0.25% | 0.22% | 0.15% | 0.16% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 14.54% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 14.54% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.73% | 97.78% | 94.42% | 86.80% | 96.54% | 96.75% | 99.97% | 94.14% | +734 bps | |
| Liquid Assets / Assets | 15.86% | 12.79% | 15.33% | 22.69% | 14.24% | 0.00% | 0.00% | 18.47% | -422 bps | |