Flandreau, SD · Cert 1124
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Flandreau, SD · Cert 1124
FDIC
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.80% | 0.77% | 0.77% | 0.82% | 0.79% | 0.77% | 0.44% | -34 bps | |
| Return on Equity | 10.50% | 9.94% | 9.75% | 10.40% | 11.16% | 10.59% | 10.06% | 4.89% | -551 bps | |
| Net Interest Margin | 2.42% | 2.37% | 2.27% | 2.05% | 2.02% | 1.97% | 1.97% | 1.62% | -43 bps | |
| Efficiency Ratio | 62.57% | 64.73% | 66.00% | 63.16% | 60.34% | 61.13% | 62.29% | 77.53% | +1,437 bps | |
| Non-Interest Burden | 1.36% | 1.38% | 1.36% | 1.14% | 1.05% | 1.04% | 1.08% | 1.17% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.73% | -1.88% | 3.91% | 8.49% | 7.85% | 9.11% | -3.07% | -15.52% | -2,400 bps | |
| Loan Growth (YoY) | 13.21% | 6.40% | 2.33% | 3.98% | 1.00% | -0.84% | -9.03% | -51.36% | -5,534 bps | |
| Deposit Growth (YoY) | 4.14% | 0.25% | 4.26% | 6.89% | 10.32% | 17.04% | 3.94% | -9.07% | -1,595 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 | 0.05% | 0.03% | 0.04% | 0.01% | -0.05% | -0.02% | -0.02% | 0.78% | +77 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.19% | 1.24% | 1.26% | 1.27% | 1.32% | 2.39% | +115 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 | 16.31% | 16.82% | 15.98% | 16.64% | 16.67% | 17.42% | 18.27% | 23.65% | +701 bps | |
| Equity / Assets | 8.15% | 8.30% | 7.53% | 7.33% | 7.14% | 7.91% | 8.30% | 9.56% | +223 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.64% | 88.67% | 85.34% | 80.00% | 78.41% | 75.13% | 74.69% | 42.80% | -3,721 bps | |
| Liquid Assets / Assets | 2.13% | 2.15% | 2.00% | 1.75% | 1.47% | 1.51% | 2.55% | 1.95% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |