Mansfield, SD · Cert 11136
FDIC
Q3 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.83% | 0.03% | 0.24% | 0.74% | -2.71% | -0.30% | -0.30% | 1.56% | +82 bps | |
| Return on Equity | -15.61% | 0.21% | 1.69% | 4.96% | -18.04% | -2.16% | -2.16% | 10.47% | +551 bps | |
| Net Interest Margin | 2.23% | 1.84% | 2.15% | 2.11% | 1.90% | 1.57% | 1.66% | 1.96% | -14 bps | |
| Efficiency Ratio | 214% | 93.33% | 85.29% | 63.77% | 233% | 118.18% | 117.54% | 93.94% | +3,017 bps | |
| Non-Interest Burden | 4.88% | 1.71% | 1.83% | 1.32% | 4.55% | 1.86% | 1.96% | 1.84% | +52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.36% | 20.03% | 18.78% | 15.51% | 24.06% | 9.73% | -4.45% | 1.69% | -1,382 bps | |
| Loan Growth (YoY) | 3.28% | -7.17% | -5.17% | 6.63% | -1.45% | -21.74% | -13.48% | -32.06% | -3,869 bps | |
| Deposit Growth (YoY) | -5.02% | 24.97% | 22.85% | 18.98% | 29.93% | 11.68% | -4.65% | 2.32% | -1,666 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 2.49% | 3.65% | 3.25% | 2.97% | 2.53% | 4.67% | 3.76% | 2.18% | -78 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 | 46.39% | 31.15% | 44.85% | 45.48% | 40.31% | 28.21% | 46.07% | 49.74% | +427 bps | |
| Equity / Assets | 18.12% | 14.68% | 14.10% | 15.65% | 14.39% | 13.22% | 14.29% | 15.45% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.41% | 15.60% | 16.40% | 19.87% | 22.31% | 10.93% | 14.88% | 13.20% | -668 bps | |
| Liquid Assets / Assets | 42.95% | 56.79% | 50.98% | 49.35% | 47.41% | 63.36% | 60.09% | 46.32% | -302 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |