Hope, ND · Cert 9129
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 2.08% | 0.91% | 1.25% | 1.11% | +5 bps | |
| Return on Equity | 14.53% | 28.79% | 11.42% | 14.93% | 12.94% | -159 bps | |
| Net Interest Margin | 3.30% | 3.89% | 3.86% | 3.60% | 3.71% | +41 bps | |
| Efficiency Ratio | 56.29% | 43.87% | 60.19% | 54.07% | 61.80% | +551 bps | |
| Non-Interest Burden | 1.70% | 1.48% | 2.14% | 1.81% | 2.18% | +49 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.69% | 15.18% | 5.16% | -1.58% | -7.82% | -2,252 bps | |
| Loan Growth (YoY) | -11.00% | -0.87% | -3.89% | 9.49% | -17.25% | -625 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.04% | 0.20% | 0.83% | +83 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.68% | 13.17% | 14.76% | 15.76% | 16.45% | +377 bps | |
| Equity / Assets | 6.90% | 7.52% | 8.40% | 8.35% | 8.80% | +190 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.68% | 77.46% | 60.45% | 50.55% | 54.23% | -745 bps | |
| Liquid Assets / Assets | 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 |