Eagle Butte, SD · Charter 24785
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Eagle Butte, SD · Charter 24785
Q2 2012
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | -0.61% | 0.40% | -0.22% | -1.68% | 0.13% | 0.40% | -6.74% | -652 bps | |
| Return on Equity | 6.62% | -15.94% | 10.77% | -6.55% | -71.30% | 2.98% | 7.43% | -312% | -30,572 bps | |
| Net Interest Margin | 4.19% | 6.24% | 6.37% | 6.01% | 6.15% | 6.89% | 6.87% | 6.98% | +98 bps | |
| Efficiency Ratio | 68.38% | 58.43% | 56.02% | 77.69% | 99.90% | 58.20% | 82.00% | 99.13% | +2,144 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.41% | 3.07% | -5.32% | -1.96% | -25.60% | -16.89% | -30.04% | -34.23% | -3,227 bps | |
| Loan Growth (YoY) | 43.21% | 28.51% | 27.81% | 3.36% | -2.30% | -19.16% | -29.81% | -34.99% | -3,835 bps | |
| Share Growth (YoY) | 12.01% | -0.27% | -5.51% | -1.05% | -25.01% | -18.00% | -32.23% | -34.77% | -3,372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.57% | 20.41% | 19.36% | 21.67% | 24.80% | 25.99% | 28.26% | 31.32% | +965 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 | 1.37% | 7.08% | 9.10% | 9.56% | 10.08% | 15.42% | 18.82% | 26.39% | +1,684 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 3.48% | 3.85% | 3.71% | 3.42% | 2.36% | 4.21% | 5.42% | 2.16% | -126 bps | |
| Net Worth / Assets | 3.48% | 3.85% | 3.71% | 3.42% | 2.36% | 4.21% | 5.42% | 2.16% | -126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.30% | 65.42% | 69.48% | 65.15% | 64.24% | 64.49% | 71.96% | 64.94% | -22 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |