PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hand County State Bank

Miller, SD · Cert 1128

FDIC

Q1 2000

$49.0MAssets
$26.3MLoans
$40.1MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 2.71%, up 62 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 65.51% of deposits as of Q1 2000.

Return on Assets (YTD, annualized)

2.71%+62 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000YoY ΔTrend
Earnings
Return on Assets2.07%2.10%2.07%2.09%2.14%2.96%2.26%2.71%+62 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.88%2.30%-2.61%-4.27%-4.25%-4.99%-3.07%-1.22%+305 bps
Loan Growth (YoY)6.57%5.84%-0.74%8.76%-1.83%-0.89%6.96%-7.21%-1,598 bps
Deposit Growth (YoY)-2.45%-0.34%-3.73%-3.74%-3.48%-3.82%-1.34%-1.16%+258 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits73.24%74.16%71.68%69.78%74.49%76.42%77.70%65.51%-428 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a