Aberdeen, SD · Charter 16356
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Aberdeen, SD · Charter 16356
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 1.18% | 2.68% | 1.92% | 1.74% | 1.09% | 0.36% | -0.39% | -231 bps | |
| Return on Equity | 6.48% | 12.63% | 26.78% | 18.93% | 16.97% | 10.56% | 3.71% | -3.95% | -2,289 bps | |
| Net Interest Margin | 2.39% | 2.65% | 1.98% | 1.80% | 2.09% | 2.42% | 1.58% | 0.75% | -105 bps | |
| Efficiency Ratio | 77.85% | 59.27% | 65.16% | 67.46% | 64.24% | 57.40% | 78.57% | 144.72% | +7,725 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.67% | -8.08% | 13.13% | 26.80% | 20.84% | 6.75% | 10.13% | 11.55% | -1,525 bps | |
| Loan Growth (YoY) | -10.81% | -21.09% | -35.25% | -33.42% | -33.94% | -28.70% | -24.96% | 17.32% | +5,074 bps | |
| Share Growth (YoY) | -20.39% | -10.23% | 16.06% | 25.88% | 20.45% | 5.40% | 10.84% | 12.36% | -1,352 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.79% | 0.70% | 6.42% | 0.00% | 5.18% | 0.00% | 5.59% | 3.58% | +358 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 | 3.86% | 4.06% | 2.06% | 2.51% | 2.57% | 2.71% | 3.08% | 2.14% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.64% | 9.31% | 10.02% | 10.13% | 10.23% | 10.37% | 9.67% | 9.88% | -25 bps | |
| Net Worth / Assets | 9.64% | 9.31% | 10.02% | 10.13% | 10.23% | 10.37% | 9.67% | 9.88% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.39% | 52.81% | 43.16% | 40.22% | 38.05% | 35.72% | 29.22% | 41.99% | +177 bps | |
| Liquid Assets / Assets | 37.74% | 51.79% | 59.82% | 62.76% | 64.07% | 66.02% | 72.19% | 61.75% | -101 bps | |