Rapid City, SD · Cert 21131
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 1.08% | 0.72% | 0.84% | 0.79% | 1.07% | 1.06% | 0.93% | +9 bps | |
| Return on Equity | 9.82% | 11.24% | 7.00% | 8.37% | 7.72% | 10.45% | 10.30% | 8.74% | +37 bps | |
| Net Interest Margin | 3.41% | 3.73% | 3.54% | 3.66% | 3.54% | 3.79% | 3.37% | 3.68% | +3 bps | |
| Efficiency Ratio | 58.69% | 61.30% | 63.62% | 60.41% | 62.22% | 57.33% | 56.52% | 55.72% | -469 bps | |
| Non-Interest Burden | 1.84% | 2.15% | 2.16% | 2.12% | 2.09% | 2.05% | 1.58% | 1.74% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.06% | 1.52% | 4.80% | 12.79% | 8.26% | 14.37% | 2.94% | 1.41% | -1,138 bps | |
| Loan Growth (YoY) | 8.38% | -0.79% | 3.69% | 3.76% | -0.70% | 13.68% | 11.38% | 16.45% | +1,269 bps | |
| Deposit Growth (YoY) | 11.66% | 1.71% | 3.41% | 10.15% | 6.64% | 6.55% | 1.76% | -0.59% | -1,074 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 | 0.12% | 0.48% | 0.49% | 0.09% | 0.18% | 0.10% | 0.27% | 0.16% | +7 bps | |
| Allowance / Loans | 1.37% | 1.32% | 1.25% | 1.33% | 1.36% | 1.22% | 1.23% | 1.31% | -2 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 | 11.29% | 12.98% | 12.94% | 13.56% | 13.65% | 12.50% | 12.90% | 12.97% | -59 bps | |
| Equity / Assets | 8.70% | 10.46% | 10.04% | 10.05% | 10.49% | 9.92% | 10.60% | 10.80% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.97% | 94.01% | 89.17% | 85.27% | 88.44% | 100.31% | 97.60% | 99.89% | +1,461 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 0.03% | 0.02% | 0.02% | 0.01% | 0.02% | 0.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |