Madison, SD · Charter 20330
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Madison, SD · Charter 20330
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.07% | -0.43% | -1.51% | -0.83% | 0.28% | 0.41% | -0.35% | +116 bps | |
| Return on Equity | 6.26% | 1.10% | -8.06% | -30.85% | -18.17% | 6.51% | 9.39% | -8.66% | +2,218 bps | |
| Net Interest Margin | 4.97% | 5.19% | 5.11% | 4.95% | 4.82% | 4.81% | 4.63% | 4.85% | -10 bps | |
| Efficiency Ratio | 66.96% | 71.33% | 75.19% | 75.57% | 84.98% | 86.40% | 85.53% | 98.01% | +2,244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.39% | 7.37% | 11.62% | -2.17% | 2.31% | 4.79% | 5.91% | 0.77% | +294 bps | |
| Loan Growth (YoY) | -0.99% | -2.20% | -2.68% | 0.46% | 1.30% | -1.22% | 4.01% | 6.15% | +569 bps | |
| Share Growth (YoY) | 6.12% | 10.33% | 16.95% | -1.53% | 3.88% | 6.74% | 6.92% | 1.71% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 1.53% | 1.27% | 1.16% | 2.29% | 0.33% | 0.04% | 0.03% | -112 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 | 1.51% | 1.54% | 1.56% | 1.87% | 1.64% | 1.96% | 1.92% | 1.96% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.91% | 5.93% | 5.34% | 4.91% | 4.55% | 4.32% | 4.32% | 4.02% | -88 bps | |
| Net Worth / Assets | 5.91% | 5.93% | 5.34% | 4.91% | 4.55% | 4.32% | 4.32% | 4.02% | -88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.04% | 80.44% | 75.97% | 74.88% | 75.13% | 74.44% | 73.90% | 78.15% | +327 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.17% | 0.00% | 0.00% | 0.00% | 97.05% | 0.00% | 0 bps | |