Beach, ND · Charter 64488
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Beach, ND · Charter 64488
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.20% | -4.78% | -1.54% | -1.04% | 1.25% | -0.73% | 0.96% | +250 bps | |
| Return on Equity | 2.36% | 1.89% | -51.86% | -16.42% | -11.16% | 12.65% | -7.46% | 9.24% | +2,567 bps | |
| Net Interest Margin | 3.95% | 3.82% | 2.85% | 3.95% | 3.80% | 3.77% | 3.79% | 4.38% | +43 bps | |
| Efficiency Ratio | 82.34% | 85.98% | 141.17% | 96.08% | 97.74% | 94.43% | 117.93% | 77.22% | -1,886 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.50% | 10.55% | 9.24% | 8.96% | 4.74% | 7.43% | 5.94% | 5.48% | -348 bps | |
| Loan Growth (YoY) | -31.57% | -34.19% | -21.61% | 22.41% | 38.49% | 63.71% | 65.20% | 28.00% | +559 bps | |
| Share Growth (YoY) | 9.30% | 8.75% | 12.63% | 11.87% | 7.10% | 7.94% | 5.35% | 4.35% | -752 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.77% | 3.88% | 0.97% | 2.75% | 5.58% | 1.93% | 3.56% | 2.16% | -59 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 | 5.08% | 5.75% | 5.56% | 3.98% | 3.92% | 3.79% | 3.54% | 3.27% | -71 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.55% | 10.51% | 9.22% | 9.38% | 9.31% | 9.87% | 9.72% | 10.42% | +104 bps | |
| Net Worth / Assets | 10.55% | 10.51% | 9.22% | 9.38% | 9.31% | 9.87% | 9.72% | 10.42% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.66% | 36.88% | 37.28% | 50.95% | 51.29% | 55.94% | 58.45% | 62.50% | +1,155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |