Sioux Falls, SD · Cert 15277
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.53% | 0.75% | 1.24% | 0.87% | 1.17% | 1.22% | 0.98% | -27 bps | |
| Return on Equity | 22.32% | 24.57% | 12.09% | 20.80% | 14.12% | 17.08% | 17.57% | 15.39% | -541 bps | |
| Net Interest Margin | 4.15% | 4.15% | 3.12% | 3.82% | 3.68% | 3.45% | 3.17% | 3.03% | -78 bps | |
| Efficiency Ratio | 56.88% | 51.94% | 68.25% | 56.45% | 58.55% | 47.00% | 41.92% | 46.72% | -973 bps | |
| Non-Interest Burden | 2.09% | 1.73% | 1.89% | 1.86% | 1.86% | 1.18% | 0.75% | 0.94% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | 4.29% | 6.73% | 11.84% | 8.90% | -4.68% | -6.87% | -6.99% | -1,883 bps | |
| Loan Growth (YoY) | 6.17% | 5.72% | 7.45% | 13.93% | 9.15% | -8.41% | -10.94% | -9.76% | -2,369 bps | |
| Deposit Growth (YoY) | 2.84% | 3.72% | 11.83% | 13.01% | 16.23% | 13.63% | 5.07% | -1.24% | -1,425 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 | -0.07% | 0.10% | 0.65% | 0.79% | 0.69% | 0.62% | 0.62% | 0.79% | 0 bps | |
| Allowance / Loans | 1.49% | 1.53% | 1.54% | 1.53% | 1.46% | 1.80% | 1.71% | 1.68% | +16 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 | 12.69% | 13.57% | 12.81% | 12.45% | 12.91% | 13.71% | 12.94% | 12.75% | +30 bps | |
| Equity / Assets | 5.98% | 6.48% | 5.98% | 5.98% | 6.34% | 7.39% | 6.53% | 6.18% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 295% | 284% | 274% | 259% | 277% | 229% | 232% | 237% | -2,236 bps | |
| Liquid Assets / Assets | 6.12% | 7.55% | 8.65% | 13.26% | 14.11% | 17.63% | 16.41% | 15.05% | +179 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |