Yankton, SD · Charter 19375
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Yankton, SD · Charter 19375
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.12% | 1.02% | 1.05% | -0.29% | -0.07% | -18.83% | -14.75% | -3.02% | -273 bps | |
| Return on Equity | 13.63% | 6.76% | 6.35% | -1.80% | -0.41% | -385% | -339% | -81.13% | -7,933 bps | |
| Net Interest Margin | 5.85% | 6.08% | 6.54% | 5.86% | 6.96% | 7.28% | 6.90% | 3.89% | -197 bps | |
| Efficiency Ratio | 69.38% | 85.53% | 86.19% | 104.30% | 101.00% | 117.87% | 127.01% | 169.84% | +6,554 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.79% | 32.67% | 19.60% | 1.36% | -3.24% | -20.40% | -13.74% | -16.00% | -1,736 bps | |
| Loan Growth (YoY) | 42.33% | 45.92% | 35.94% | 16.64% | -9.88% | -3.41% | -21.26% | -25.58% | -4,222 bps | |
| Share Growth (YoY) | 33.60% | 39.63% | 23.57% | 0.99% | -4.77% | -10.92% | -1.19% | -3.29% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.21% | 6.58% | 13.08% | 27.71% | 27.73% | 20.62% | 24.81% | 49.93% | +2,222 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 | 2.99% | 3.16% | 3.15% | 3.64% | 3.39% | 16.38% | 19.88% | 22.81% | +1,916 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.58% | 15.07% | 16.48% | 16.34% | 16.73% | 4.90% | 4.35% | 3.73% | -1,261 bps | |
| Net Worth / Assets | 15.58% | 15.07% | 16.48% | 16.34% | 16.73% | 4.90% | 4.35% | 3.73% | -1,261 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 113.03% | 99.91% | 112.83% | 105.21% | 106.96% | 108.33% | 89.92% | 80.97% | -2,425 bps | |
| Liquid Assets / Assets | 3.74% | 2.25% | 2.46% | 9.86% | 9.99% | 10.98% | 29.08% | 36.81% | +2,695 bps | |