Rapid City, SD · Charter 11838
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Rapid City, SD · Charter 11838
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.19% | 3.48% | 2.37% | 0.26% | -0.18% | 0.36% | 0.03% | 0.08% | -18 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 1.94% | 0.15% | 0.31% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.30% | 5.20% | 5.76% | 5.70% | 7.68% | +238 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 95.15% | 103.40% | 93.74% | 99.26% | 98.83% | +368 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.04% | -5.31% | -42.00% | -31.78% | -18.01% | -18.07% | -8.33% | -31.09% | +69 bps | |
| Loan Growth (YoY) | -14.41% | -6.53% | -17.07% | -29.21% | 0.79% | 22.71% | 31.41% | 1.22% | +3,044 bps | |
| Share Growth (YoY) | 54.53% | 56.98% | -47.00% | -36.13% | -21.48% | -21.83% | -10.61% | -38.40% | -227 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.68% | 0.27% | 3.78% | 4.31% | 8.00% | 11.01% | 9.82% | 7.15% | +284 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 | 2.85% | 3.58% | 4.45% | 4.37% | 2.64% | 3.24% | 3.32% | 0.91% | -346 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 18.86% | 18.33% | 26.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 18.86% | 18.33% | 26.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.44% | 64.69% | 67.90% | 73.66% | 85.29% | 101.55% | 99.82% | 121.03% | +4,737 bps | |
| Liquid Assets / Assets | 38.35% | 40.32% | 41.72% | 21.60% | 0.00% | 13.65% | 18.78% | 9.03% | -1,257 bps | |