Hope, ND · Cert 9129
FDIC
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Hope, ND · Cert 9129
FDIC
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.32% | 1.29% | 1.17% | 1.49% | 1.35% | 1.25% | 1.18% | +1 bps | |
| Return on Equity | 19.99% | 15.39% | 16.49% | 15.56% | 19.81% | 17.61% | 14.93% | 13.83% | -173 bps | |
| Net Interest Margin | 3.72% | 3.49% | 3.26% | 3.24% | 3.28% | 3.52% | 3.60% | 3.65% | +41 bps | |
| Efficiency Ratio | 50.00% | 59.06% | 53.46% | 54.91% | 50.56% | 53.23% | 54.07% | 58.00% | +309 bps | |
| Non-Interest Burden | 1.63% | 1.88% | 1.58% | 1.62% | 1.49% | 1.69% | 1.81% | 1.99% | +37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 12.41% | 16.62% | 14.69% | 15.18% | 5.16% | -1.58% | -7.82% | -2,252 bps | |
| Loan Growth (YoY) | 2.91% | 5.54% | -21.09% | -11.00% | -0.87% | -3.89% | 9.49% | -17.25% | -625 bps | |
| Deposit Growth (YoY) | 12.45% | 15.71% | 18.65% | 20.08% | -3.49% | 5.19% | -1.82% | -5.88% | -2,596 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 | -0.10% | -0.10% | -0.05% | -0.02% | -0.01% | 0.00% | 0.20% | 0.51% | +53 bps | |
| Allowance / Loans | 1.82% | 2.05% | 2.88% | 2.04% | 1.85% | 2.13% | 2.57% | 2.20% | +16 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 | 12.45% | 13.62% | 14.02% | 12.68% | 13.17% | 14.76% | 15.76% | 16.45% | +377 bps | |
| Equity / Assets | 8.03% | 8.04% | 7.66% | 6.90% | 7.52% | 8.40% | 8.35% | 8.80% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.40% | 66.16% | 45.33% | 61.68% | 77.46% | 60.45% | 50.55% | 54.23% | -745 bps | |
| Liquid Assets / Assets | 1.16% | 1.15% | 9.88% | 9.25% | 6.47% | 7.03% | 10.64% | 9.52% | +27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |