Hudson, SD · Cert 17148
FDIC
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 2.08% | 1.52% | 1.79% | 0.59% | 2.17% | 1.55% | 1.46% | -33 bps | |
| Return on Equity | 1.79% | 14.12% | 9.86% | 12.06% | 4.12% | 15.15% | 10.45% | 9.26% | -280 bps | |
| Net Interest Margin | 3.13% | 4.12% | 3.67% | 3.56% | 3.26% | 3.22% | 3.18% | 3.42% | -14 bps | |
| Efficiency Ratio | 82.72% | 50.00% | 53.18% | 53.14% | 85.71% | 53.94% | 50.31% | 62.35% | +921 bps | |
| Non-Interest Burden | 2.51% | 2.02% | 1.92% | 1.84% | 2.77% | 1.69% | 1.56% | 2.09% | +25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.57% | 8.40% | 2.65% | 15.86% | 2.94% | 8.61% | 6.95% | -4.71% | -2,057 bps | |
| Loan Growth (YoY) | -5.86% | -9.99% | -3.90% | -2.18% | 1.08% | -2.03% | -8.35% | -5.15% | -297 bps | |
| Deposit Growth (YoY) | 3.12% | 8.74% | 2.55% | 18.72% | 3.03% | 10.16% | 7.38% | -6.52% | -2,523 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 | 0.15% | 0.19% | 0.00% | 0.00% | 0.00% | -1.24% | 0.00% | -0.33% | -33 bps | |
| Allowance / Loans | 1.73% | 1.77% | 1.70% | 1.71% | 1.66% | 1.80% | 1.85% | 1.81% | +9 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 | 21.32% | 22.90% | 22.41% | 21.65% | 21.70% | 23.27% | 24.47% | 24.58% | +293 bps | |
| Equity / Assets | 14.32% | 15.18% | 15.59% | 14.21% | 14.44% | 14.20% | 15.51% | 16.04% | +183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.15% | 79.87% | 87.66% | 76.68% | 79.61% | 71.03% | 74.82% | 77.80% | +112 bps | |
| Liquid Assets / Assets | 11.44% | 15.80% | 12.80% | 7.14% | 11.37% | 2.30% | 4.54% | 1.99% | -515 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |