Yankton, SD · Cert 18613
FDIC · 4 branches
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.49% | 1.00% | 0.41% | 0.55% | 0.57% | 0.57% | 0.74% | +33 bps | |
| Return on Equity | 5.48% | 3.79% | 8.17% | 3.56% | 4.88% | 5.26% | 5.27% | 6.68% | +312 bps | |
| Net Interest Margin | 2.61% | 2.42% | 2.45% | 2.59% | 2.67% | 2.70% | 2.65% | 2.59% | +1 bps | |
| Efficiency Ratio | 86.76% | 75.31% | 70.11% | 78.36% | 78.37% | 76.95% | 75.09% | 67.82% | -1,054 bps | |
| Non-Interest Burden | 2.15% | 1.62% | 1.34% | 1.89% | 1.94% | 1.93% | 1.82% | 1.54% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.14% | -6.92% | -8.06% | -4.31% | -3.30% | -3.20% | -2.44% | 3.01% | +732 bps | |
| Loan Growth (YoY) | -14.42% | -10.98% | 6.93% | 60.66% | 59.95% | 54.51% | 32.34% | -5.98% | -6,664 bps | |
| Deposit Growth (YoY) | -6.60% | -8.67% | -8.35% | -3.47% | -1.62% | -0.80% | -1.57% | 5.24% | +871 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 | 0.03% | 0.12% | 0.08% | -0.02% | 0.00% | -0.10% | -0.08% | -0.02% | 0 bps | |
| Allowance / Loans | 1.37% | 1.31% | 1.09% | 0.79% | 0.75% | 0.71% | 0.75% | 0.72% | -7 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 | 20.55% | 19.42% | 16.74% | 15.15% | 14.48% | 13.96% | 14.45% | 14.48% | -67 bps | |
| Equity / Assets | 13.10% | 12.83% | 11.63% | 11.39% | 11.10% | 10.71% | 11.05% | 10.97% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.65% | 53.58% | 58.68% | 86.74% | 85.60% | 83.46% | 78.90% | 77.49% | -925 bps | |
| Liquid Assets / Assets | 4.98% | 5.68% | 4.61% | 4.59% | 4.29% | 4.05% | 3.71% | 3.91% | -68 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |