Embden, ND · Charter 64239
Q3 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.09% | -0.81% | -0.02% | 0.01% | -5.91% | -4.83% | -3.34% | -331 bps | |
| Return on Equity | 0.06% | 0.40% | -3.64% | -0.10% | 0.04% | -25.55% | -21.97% | -15.46% | -1,535 bps | |
| Net Interest Margin | 4.52% | 5.32% | 4.42% | 4.87% | 4.76% | 2.95% | 2.70% | 2.51% | -237 bps | |
| Efficiency Ratio | 99.69% | 98.24% | 118.39% | 100.49% | 99.81% | 190.58% | 220% | 227% | +12,616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.16% | 4.79% | 3.89% | 3.90% | 2.44% | -6.25% | -6.71% | -4.33% | -823 bps | |
| Loan Growth (YoY) | -22.94% | -17.12% | -23.73% | -28.18% | 1.71% | -2.96% | 4.57% | 3.77% | +3,194 bps | |
| Share Growth (YoY) | -0.22% | 7.03% | 7.25% | 7.35% | 3.19% | -6.60% | -6.57% | -2.70% | -1,005 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 | 0.63% | 0.60% | 0.68% | 0.75% | 0.62% | 0.62% | 0.65% | 0.73% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.60% | 23.10% | 22.37% | 23.01% | 23.05% | 23.14% | 22.01% | 21.58% | -143 bps | |
| Net Worth / Assets | 23.60% | 23.10% | 22.37% | 23.01% | 23.05% | 23.14% | 22.01% | 21.58% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.51% | 65.12% | 55.97% | 51.75% | 62.61% | 67.67% | 62.65% | 55.19% | +344 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |