Sioux Falls, SD · Cert 16100
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.16% | 4.60% | 5.75% | 4.76% | 1.17% | 3.75% | 4.05% | 4.46% | -31 bps | |
| Return on Equity | 20.57% | 21.45% | 26.39% | 28.62% | 10.20% | 33.26% | 34.00% | 38.83% | +1,022 bps | |
| Net Interest Margin | 7.17% | 7.76% | 7.26% | 6.57% | 2.66% | 5.19% | 4.49% | 5.38% | -119 bps | |
| Efficiency Ratio | 59.81% | 55.89% | 52.43% | 56.35% | 65.29% | 58.44% | 58.93% | 55.25% | -109 bps | |
| Non-Interest Burden | -1.24% | -1.65% | -3.94% | -3.16% | -1.37% | -2.68% | -3.51% | -3.59% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.87% | 10.63% | 19.72% | 21.61% | 19.85% | 17.60% | 16.35% | 6.18% | -1,543 bps | |
| Loan Growth (YoY) | 17.77% | 15.23% | 17.01% | 17.72% | 19.59% | 20.32% | 21.57% | 11.28% | -644 bps | |
| Deposit Growth (YoY) | 30.70% | 4.50% | -7.56% | -3.11% | -15.44% | 35.25% | 41.85% | 17.62% | +2,073 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 | 2.50% | 2.49% | 2.38% | 2.11% | 2.57% | 2.29% | 2.07% | 2.14% | +2 bps | |
| Allowance / Loans | 2.03% | 1.95% | 1.77% | 1.76% | 1.74% | 1.66% | 1.57% | 1.52% | -25 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 | 19.38% | 19.41% | 19.63% | 13.87% | 12.48% | 13.20% | 13.59% | 12.75% | -112 bps | |
| Equity / Assets | 20.92% | 21.98% | 21.63% | 12.26% | 10.73% | 11.83% | 11.99% | 10.98% | -128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 329% | 400% | 459% | 434% | 465% | 356% | 393% | 410% | -2,337 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.05% | 0.04% | 0.04% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |