Elk Point, SD · Cert 16385
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 1.35% | 0.87% | 1.37% | 1.30% | 1.27% | -0.98% | 0.67% | -70 bps | |
| Return on Equity | 11.14% | 13.16% | 8.32% | 12.99% | 12.51% | 12.16% | -5.84% | 2.98% | -1,001 bps | |
| Net Interest Margin | 4.30% | 4.27% | 4.09% | 4.22% | 4.34% | 3.94% | -2.57% | 3.53% | -69 bps | |
| Efficiency Ratio | 75.64% | 70.99% | 81.97% | 72.98% | 74.93% | 72.44% | 70.07% | 75.20% | +222 bps | |
| Non-Interest Burden | 3.02% | 2.77% | 3.18% | 2.83% | 3.01% | 2.60% | -1.76% | 2.49% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.98% | 9.57% | 4.42% | 6.95% | 2.01% | 2.90% | 10.63% | 12.03% | +509 bps | |
| Loan Growth (YoY) | -4.18% | 1.69% | 3.34% | 4.49% | 3.91% | 7.38% | 5.07% | 18.11% | +1,362 bps | |
| Deposit Growth (YoY) | 6.81% | 10.01% | 5.52% | 9.06% | 1.77% | 2.76% | -3.01% | -0.88% | -993 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 | -0.02% | -0.02% | 0.11% | 0.02% | -0.47% | -1.10% | 0.02% | 0.00% | -2 bps | |
| Allowance / Loans | 1.37% | 1.36% | 1.29% | 1.23% | 1.41% | 1.63% | 0.99% | 0.84% | -39 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 | 15.42% | 15.34% | 15.33% | 14.73% | 15.17% | 14.80% | 13.17% | 11.61% | -313 bps | |
| Equity / Assets | 10.17% | 10.31% | 10.60% | 10.43% | 10.41% | 10.53% | 22.77% | 21.86% | +1,143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.44% | 77.55% | 83.48% | 83.78% | 78.05% | 81.03% | 90.44% | 99.82% | +1,604 bps | |
| Liquid Assets / Assets | 0.32% | 2.59% | 2.21% | 3.06% | 3.85% | 6.50% | 1.45% | 0.06% | -300 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |