Madison, SD · Cert 16220
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Madison, SD · Cert 16220
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.25% | 1.23% | 1.00% | 0.19% | 0.42% | 1.82% | 0.82% | -18 bps | |
| Return on Equity | 10.77% | 12.19% | 12.00% | 9.92% | 1.94% | 4.47% | 19.34% | 8.89% | -103 bps | |
| Net Interest Margin | 4.27% | 4.49% | 4.58% | 4.57% | 4.33% | 3.93% | 3.88% | 3.90% | -68 bps | |
| Efficiency Ratio | 85.29% | 78.61% | 78.51% | 81.60% | 96.48% | 92.66% | 72.24% | 75.45% | -615 bps | |
| Non-Interest Burden | 3.11% | 2.90% | 3.01% | 3.26% | 4.10% | 3.49% | 1.85% | 2.17% | -109 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.69% | -9.89% | -9.54% | -0.39% | 0.28% | 12.30% | 14.58% | 5.86% | +625 bps | |
| Loan Growth (YoY) | -12.58% | -0.71% | -0.03% | 10.82% | 13.15% | 5.29% | 14.19% | 5.62% | -521 bps | |
| Deposit Growth (YoY) | -9.54% | -13.89% | -10.21% | -4.98% | 0.79% | 17.32% | 12.90% | 10.32% | +1,530 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 | -0.14% | 0.64% | 0.50% | 0.40% | -0.03% | 0.05% | 0.17% | 1.28% | +88 bps | |
| Allowance / Loans | 1.00% | 0.91% | 0.96% | 0.90% | 0.91% | 0.86% | 0.89% | 0.67% | -23 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 | 12.86% | 12.83% | 12.88% | 11.89% | 11.74% | 11.33% | 11.88% | 10.29% | -160 bps | |
| Equity / Assets | 9.94% | 10.23% | 10.24% | 9.65% | 9.48% | 8.90% | 9.57% | 8.57% | -109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.01% | 97.20% | 92.46% | 99.53% | 93.19% | 87.23% | 93.51% | 95.28% | -425 bps | |
| Liquid Assets / Assets | 1.76% | 1.54% | 1.46% | 1.79% | 1.49% | 1.25% | 1.32% | 1.68% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |