Stanley, ND · Cert 8639
FDIC
Q3 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 0.94% | 1.14% | 1.25% | 0.83% | 0.80% | 0.83% | 0.97% | -28 bps | |
| Return on Equity | 17.27% | 10.02% | 11.98% | 12.98% | 8.96% | 9.06% | 9.32% | 10.80% | -218 bps | |
| Net Interest Margin | 3.51% | 2.95% | 3.07% | 3.50% | 3.39% | 2.73% | 2.68% | 2.78% | -72 bps | |
| Efficiency Ratio | 42.80% | 60.24% | 55.08% | 53.01% | 54.38% | 58.21% | 44.71% | 50.91% | -210 bps | |
| Non-Interest Burden | 1.62% | 1.80% | 1.66% | 1.86% | 1.80% | 1.58% | 1.34% | 1.50% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.19% | 98.30% | 92.92% | 87.58% | 85.44% | 21.19% | 18.97% | 21.64% | -6,594 bps | |
| Loan Growth (YoY) | 19.16% | 86.53% | 78.20% | 68.54% | 72.39% | -8.74% | -19.87% | -18.18% | -8,673 bps | |
| Deposit Growth (YoY) | 22.27% | 95.90% | 91.48% | 87.50% | 84.03% | 23.03% | 20.36% | 23.88% | -6,362 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.00% | 0.04% | 0.01% | 0.01% | 0.06% | 0.01% | 0.15% | +14 bps | |
| Allowance / Loans | 0.94% | 0.65% | 0.61% | 0.60% | 0.82% | 1.04% | 1.27% | 1.17% | +57 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.92% | 13.24% | 12.87% | 13.09% | 13.17% | 15.06% | 16.49% | 14.87% | +178 bps | |
| Equity / Assets | 9.26% | 9.39% | 9.62% | 9.65% | 8.97% | 8.71% | 9.16% | 8.89% | -76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.43% | 48.04% | 52.98% | 52.51% | 49.11% | 35.64% | 35.27% | 34.68% | -1,783 bps | |
| Liquid Assets / Assets | 2.11% | 4.09% | 2.75% | 2.07% | 1.43% | 1.26% | 1.31% | 0.96% | -111 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |