New England, ND · Charter 63310
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
New England, ND · Charter 63310
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.85% | 0.90% | 0.76% | 0.42% | 0.62% | 0.61% | 0.72% | -4 bps | |
| Return on Equity | 7.29% | 10.14% | 10.45% | 9.14% | 5.29% | 7.59% | 7.39% | 9.40% | +27 bps | |
| Net Interest Margin | 4.51% | 4.87% | 4.99% | 4.78% | 4.25% | 4.50% | 4.60% | 4.11% | -67 bps | |
| Efficiency Ratio | 86.17% | 82.36% | 82.02% | 83.93% | 89.74% | 87.34% | 87.96% | 84.33% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | -0.16% | -5.04% | -6.96% | 5.29% | 11.02% | 11.45% | 19.46% | +2,642 bps | |
| Loan Growth (YoY) | -4.01% | 3.32% | 7.42% | -1.36% | -6.34% | -3.80% | -1.95% | 19.35% | +2,071 bps | |
| Share Growth (YoY) | 3.14% | -1.06% | -6.37% | -8.34% | 4.94% | 11.13% | 11.54% | 20.31% | +2,864 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 0.18% | 0.36% | 0.40% | 0.38% | 2.87% | 1.76% | 1.53% | +113 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 | 1.23% | 1.06% | 1.14% | 1.21% | 1.51% | 1.20% | 1.17% | 1.03% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.61% | 8.34% | 8.58% | 8.28% | 7.91% | 8.16% | 8.27% | 7.65% | -63 bps | |
| Net Worth / Assets | 7.61% | 8.34% | 8.58% | 8.28% | 7.91% | 8.16% | 8.27% | 7.65% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.04% | 94.55% | 93.48% | 83.04% | 64.30% | 81.84% | 82.17% | 82.38% | -66 bps | |
| Liquid Assets / Assets | 22.16% | 9.34% | 9.12% | 19.53% | 24.12% | 18.09% | 17.52% | 20.91% | +137 bps | |