Grand Forks, ND · Charter 6993
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.53% | 0.59% | 0.63% | 0.61% | -0.13% | -0.06% | -2.29% | -292 bps | |
| Return on Equity | 3.44% | 2.20% | 2.56% | 2.73% | 2.64% | -0.61% | -0.29% | -18.21% | -2,095 bps | |
| Net Interest Margin | 4.30% | 4.20% | 4.04% | 3.88% | 3.86% | 3.39% | 3.16% | 3.26% | -62 bps | |
| Efficiency Ratio | 80.77% | 87.36% | 85.37% | 83.89% | 84.14% | 103.79% | 102.02% | 170.16% | +8,627 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.13% | 2.13% | 0.49% | 4.00% | 6.73% | 9.58% | 7.66% | 2.33% | -167 bps | |
| Loan Growth (YoY) | -7.36% | -5.55% | 1.74% | -11.93% | -9.01% | -17.02% | -19.55% | -9.79% | +213 bps | |
| Share Growth (YoY) | 10.10% | 1.59% | -0.45% | 4.18% | 8.00% | 12.02% | 9.66% | 14.72% | +1,054 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.15% | 1.56% | 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 | 0.52% | 0.51% | 0.52% | 0.55% | 0.57% | 0.61% | 0.48% | 0.45% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.12% | 24.19% | 23.20% | 22.92% | 23.21% | 21.05% | 21.82% | 12.59% | -1,032 bps | |
| Net Worth / Assets | 24.12% | 24.19% | 23.20% | 22.92% | 23.21% | 21.05% | 21.82% | 12.59% | -1,032 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.03% | 88.00% | 80.76% | 74.93% | 72.48% | 65.19% | 59.25% | 58.92% | -1,601 bps | |
| Liquid Assets / Assets | 33.48% | 31.61% | 36.45% | 40.97% | 43.15% | 48.18% | 52.35% | 47.94% | +697 bps | |