Sioux Falls, SD · Charter 10905
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, 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.
Sioux Falls, SD · Charter 10905
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.96% | 0.81% | 0.88% | 0.83% | 0.80% | 0.63% | 0.59% | -29 bps | |
| Return on Equity | 11.83% | 12.84% | 11.10% | 11.92% | 11.64% | 10.93% | 8.39% | 8.01% | -391 bps | |
| Net Interest Margin | 3.72% | 3.57% | 3.38% | 3.33% | 3.12% | 3.10% | 3.14% | 3.06% | -26 bps | |
| Efficiency Ratio | 73.78% | 75.32% | 82.15% | 80.03% | 79.20% | 79.22% | 81.92% | 80.65% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.83% | 11.66% | 8.69% | 14.85% | 18.09% | 14.51% | 8.06% | 9.14% | -571 bps | |
| Loan Growth (YoY) | -8.33% | -12.92% | -8.28% | -4.83% | 0.55% | 1.49% | 1.51% | 2.87% | +770 bps | |
| Share Growth (YoY) | 13.96% | 10.96% | 8.19% | 14.72% | 18.29% | 14.69% | 7.41% | 9.30% | -542 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.57% | 0.57% | 0.49% | 0.70% | 0.72% | 0.61% | 0.92% | +43 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 | 0.80% | 0.72% | 0.46% | 0.34% | 0.38% | 0.33% | 0.36% | 0.32% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.45% | 7.48% | 7.26% | 7.39% | 7.16% | 7.34% | 7.46% | 7.36% | -3 bps | |
| Net Worth / Assets | 7.45% | 7.48% | 7.26% | 7.39% | 7.16% | 7.34% | 7.46% | 7.36% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.19% | 65.13% | 62.87% | 61.23% | 56.27% | 57.63% | 59.42% | 57.62% | -361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |