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Grand Forks Herald

Grand Forks, ND · Charter 64064

Q4 1996

$429KAssets
$290KLoans
$371KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.43%, down 124 bps year over year.
  • Asset quality: problem loans at 5.68% of loans (+568 bps YoY).
  • Funding: loans stand at 78.33% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

4.43%-124 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.70%5.67%4.51%5.69%3.66%4.43%-124 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a8.84%7.44%n/a
Loan Growth (YoY)n/an/an/an/a-5.90%-6.91%n/a
Share Growth (YoY)n/an/an/an/a6.95%9.11%n/a
Asset Quality
Delinquent Loans / Loans0.41%0.00%0.00%0.47%3.58%5.68%+568 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans2.09%1.67%1.92%2.03%1.97%2.38%+71 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares95.52%91.82%77.06%82.15%84.05%78.33%-1,348 bps
Liquid Assets / Assets12.71%13.39%22.91%25.39%22.93%32.55%+1,917 bps