Faith, SD · Cert 1123
FDIC
Q1 2013
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.97% | 0.97% | 0.70% | 0.83% | 0.91% | 0.99% | -0.28% | -98 bps | |
| Return on Equity | 8.20% | 10.11% | 10.08% | 6.83% | 7.76% | 8.44% | 9.35% | -2.70% | -953 bps | |
| Net Interest Margin | 3.96% | 4.21% | 3.81% | 3.61% | 3.91% | 3.93% | 3.38% | 3.01% | -60 bps | |
| Efficiency Ratio | 76.55% | 74.55% | 74.81% | 80.95% | 78.76% | 77.03% | 81.40% | 107.65% | +2,670 bps | |
| Non-Interest Burden | 2.94% | 3.04% | 2.76% | 2.86% | 3.00% | 2.94% | 2.69% | 3.27% | +41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.16% | 0.21% | 5.54% | 0.21% | -2.95% | 2.65% | 7.03% | 6.76% | +655 bps | |
| Loan Growth (YoY) | -7.44% | -4.25% | -0.22% | -3.01% | -6.14% | -4.91% | -13.07% | -11.22% | -821 bps | |
| Deposit Growth (YoY) | -0.38% | -3.62% | 4.58% | -1.63% | -4.56% | 4.91% | 6.69% | 7.01% | +863 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 | -0.16% | -0.16% | 0.26% | -0.37% | -0.19% | -0.16% | -0.47% | 0.00% | +37 bps | |
| Allowance / Loans | 2.69% | 2.81% | 2.68% | 2.69% | 2.64% | 2.71% | 2.89% | 2.74% | +5 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 | 14.25% | 14.84% | 15.89% | 15.98% | 16.31% | 16.20% | 18.25% | 18.04% | +206 bps | |
| Equity / Assets | 9.98% | 10.35% | 9.75% | 10.81% | 11.58% | 10.96% | 9.95% | 10.78% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.42% | 72.08% | 59.26% | 67.92% | 72.20% | 65.33% | 48.29% | 56.35% | -1,157 bps | |
| Liquid Assets / Assets | 1.44% | 1.72% | 8.67% | 3.01% | 4.88% | 9.17% | 14.17% | 0.00% | -301 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |