Grand Forks Herald

Grand Forks, ND · Charter 64064

Q4 1996

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1996, the quarter ended December 31, 1996, 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.

Grand Forks, ND · Charter 64064

Q4 1996

$429KAssets

$290KLoans

$371KShares

n/aNet Worth

Return on Assets (YTD, annualized)

4.43%-124 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	YoY Δ	Trend
Earnings
Return on Assets	4.70%	5.67%	4.51%	5.69%	3.66%	4.43%	-124 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	8.84%	7.44%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	-5.90%	-6.91%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	6.95%	9.11%	n/a
Asset Quality
Delinquent Loans / Loans	0.41%	0.00%	0.00%	0.47%	3.58%	5.68%	+568 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	2.09%	1.67%	1.92%	2.03%	1.97%	2.38%	+71 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	95.52%	91.82%	77.06%	82.15%	84.05%	78.33%	-1,348 bps
Liquid Assets / Assets	12.71%	13.39%	22.91%	25.39%	22.93%	32.55%	+1,917 bps