Ryder, ND · Charter 64045
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.44% | 0.67% | 0.05% | 0.93% | 0.91% | 0.69% | -6.43% | -647 bps | |
| Return on Equity | 2.11% | 2.69% | 3.93% | 0.31% | 5.91% | 5.65% | 4.19% | -67.34% | -6,764 bps | |
| Net Interest Margin | 3.45% | 3.28% | 3.56% | 2.84% | 3.57% | 3.68% | 3.80% | -3.49% | -633 bps | |
| Efficiency Ratio | 89.85% | 87.15% | 81.91% | 98.34% | 75.88% | 76.56% | 82.66% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.10% | 17.03% | 7.96% | 9.64% | 12.90% | 3.03% | 3.52% | 1.18% | -846 bps | |
| Loan Growth (YoY) | -21.03% | -19.44% | -15.88% | -9.85% | -8.26% | -0.30% | -4.25% | 0.19% | +1,004 bps | |
| Share Growth (YoY) | 11.38% | 20.63% | 8.92% | 11.64% | 15.19% | 3.06% | 3.86% | 9.17% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 4.01% | 3.86% | 3.84% | 4.12% | 4.37% | 3.87% | 4.01% | 4.11% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.60% | 16.34% | 17.05% | 16.15% | 15.79% | 16.15% | 16.55% | 9.54% | -661 bps | |
| Net Worth / Assets | 17.60% | 16.34% | 17.05% | 16.15% | 15.79% | 16.15% | 16.55% | 9.54% | -661 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.74% | 43.24% | 45.02% | 40.21% | 36.43% | 41.83% | 41.50% | 36.90% | -331 bps | |
| Liquid Assets / Assets | 61.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |