Sioux Falls, SD · Cert 15277
FDIC
Q4 2003
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 | 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% | 1.47% | 1.22% | 1.23% | 0.87% | 1.03% | 1.08% | 1.05% | -18 bps | |
| Return on Equity | 22.32% | 23.30% | 19.59% | 19.90% | 14.12% | 15.75% | 16.52% | 16.28% | -362 bps | |
| Net Interest Margin | 4.15% | 4.11% | 3.74% | 3.68% | 3.68% | 3.73% | 3.65% | 3.44% | -24 bps | |
| Efficiency Ratio | 56.88% | 54.32% | 58.32% | 57.84% | 58.55% | 53.10% | 49.68% | 49.01% | -883 bps | |
| Non-Interest Burden | 2.09% | 1.89% | 1.87% | 1.83% | 1.86% | 1.60% | 1.36% | 1.23% | -60 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% | 0.02% | 0.23% | 0.37% | 0.69% | 0.74% | 0.68% | 0.70% | +33 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 |