Hazen, ND · Charter 67007
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.52% | 1.16% | 1.05% | 1.18% | 1.25% | 1.04% | 0.90% | -15 bps | |
| Return on Equity | 12.98% | 16.56% | 12.79% | 12.18% | 13.24% | 14.45% | 12.62% | 17.31% | +513 bps | |
| Net Interest Margin | 4.02% | 4.11% | 4.09% | 3.96% | 3.98% | 3.77% | 3.50% | 3.62% | -34 bps | |
| Efficiency Ratio | 79.97% | 74.74% | 78.61% | 80.41% | 79.00% | 76.61% | 79.58% | 83.26% | +285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.72% | 2.55% | 3.53% | 10.86% | 10.04% | 19.49% | 26.91% | 16.34% | +548 bps | |
| Loan Growth (YoY) | 13.75% | 14.83% | 16.92% | 7.16% | 8.32% | 8.96% | 7.85% | 12.44% | +528 bps | |
| Share Growth (YoY) | 5.73% | 1.01% | 2.14% | 10.37% | 9.18% | 19.73% | 27.90% | 20.29% | +992 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 0.37% | 0.39% | 0.16% | 0.16% | 0.16% | 0.14% | 0.56% | +40 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 | 0.75% | 0.67% | 0.80% | 0.80% | 0.75% | 0.72% | 0.73% | 0.69% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.53% | 9.21% | 9.11% | 8.64% | 8.90% | 8.68% | 8.21% | 5.20% | -344 bps | |
| Net Worth / Assets | 8.53% | 9.21% | 9.11% | 8.64% | 8.90% | 8.68% | 8.21% | 5.20% | -344 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.58% | 77.89% | 76.98% | 70.94% | 74.98% | 70.88% | 64.91% | 66.31% | -463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |