Hudson, SD · Cert 17148
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 2.08% | 1.81% | 1.78% | 1.48% | 2.17% | 1.88% | 1.74% | -4 bps | |
| Return on Equity | 6.20% | 14.12% | 12.04% | 12.03% | 10.03% | 15.15% | 12.76% | 11.57% | -46 bps | |
| Net Interest Margin | 3.21% | 4.12% | 3.89% | 3.70% | 3.41% | 3.22% | 3.21% | 3.33% | -37 bps | |
| Efficiency Ratio | 59.91% | 50.00% | 51.50% | 52.03% | 60.25% | 53.94% | 52.15% | 55.65% | +362 bps | |
| Non-Interest Burden | 1.73% | 2.02% | 1.97% | 1.89% | 2.02% | 1.69% | 1.63% | 1.81% | -8 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 | 0.04% | 0.19% | 0.09% | 0.06% | 0.05% | -1.24% | -0.64% | -0.52% | -59 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 |