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Bismarck Telco

Bismarck, ND · Charter 8195

Q3 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bismarck Telco

Bismarck, ND · Charter 8195

Q3 2003

$2.7MAssets
$1.7MLoans
$2.4MShares
$330KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.13%, down 38 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 0.61% of loans (+24 bps YoY).
  • Capital: net worth / assets of 12.19%, down 245 bps from a year ago.
  • Funding: loans stand at 71.04% of shares as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.13%-38 bps YoY

Net Interest Margin (YTD, annualized)

2.28%-55 bps YoY

Efficiency Ratio (YTD, annualized)

94.13%+1,169 bps YoY

Net Worth / Assets

12.19%-245 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets0.52%0.32%0.04%0.17%0.13%-38 bps
Return on Equity3.52%2.33%0.34%1.44%1.10%-242 bps
Net Interest Margin2.83%2.55%2.19%2.18%2.28%-55 bps
Efficiency Ratio82.43%84.27%98.12%92.26%94.13%+1,169 bps
Growth
Asset Growth (YoY)39.14%43.33%31.79%22.44%20.75%-1,839 bps
Loan Growth (YoY)-2.75%-8.67%-11.26%-6.09%9.45%+1,220 bps
Share Growth (YoY)51.63%51.96%37.43%25.90%24.42%-2,721 bps
Asset Quality
Delinquent Loans / Loans0.37%0.70%1.43%1.74%0.61%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.95%0.22%0.24%0.23%0.20%-75 bps
Capital
Risk-Based Capital14.64%13.63%12.62%11.87%12.19%-245 bps
Net Worth / Assets14.64%13.63%12.62%11.87%12.19%-245 bps
Liquidity & Funding
Loans / Shares80.76%70.42%61.57%61.20%71.04%-971 bps
Liquid Assets / Assets30.59%38.33%45.15%45.04%36.51%+592 bps