Rapid City, SD · Cert 25259
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.51% | 0.10% | 0.60% | 1.58% | 1.55% | 1.54% | 1.55% | +95 bps | |
| Return on Equity | 11.20% | 18.83% | 1.22% | 7.40% | 19.82% | 19.52% | 18.86% | 18.42% | +1,102 bps | |
| Net Interest Margin | 3.65% | 3.66% | 4.05% | 4.22% | 4.38% | 4.28% | 4.56% | 4.52% | +31 bps | |
| Efficiency Ratio | 53.82% | 49.22% | 48.17% | 48.08% | 49.33% | 52.63% | 55.46% | 54.29% | +622 bps | |
| Non-Interest Burden | 1.40% | 1.26% | 1.29% | 1.48% | 1.54% | 1.58% | 1.77% | 1.69% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.96% | 12.63% | 3.03% | 1.97% | 2.51% | 6.26% | 3.93% | 7.12% | +515 bps | |
| Loan Growth (YoY) | 5.51% | 11.10% | 15.07% | 9.37% | 6.17% | 8.20% | 7.22% | 4.86% | -451 bps | |
| Deposit Growth (YoY) | 12.68% | 16.12% | 3.43% | 4.42% | 5.51% | 9.40% | 4.40% | 6.00% | +158 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 | 0.34% | 0.04% | 1.90% | 3.79% | 0.15% | 0.18% | 0.24% | -0.02% | -381 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.62% | 1.22% | 1.24% | 1.25% | 1.28% | 1.41% | +19 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 | 11.41% | 11.68% | 10.74% | 11.03% | 11.37% | 11.21% | 11.60% | 11.69% | +66 bps | |
| Equity / Assets | 7.88% | 8.14% | 8.12% | 8.06% | 7.92% | 7.95% | 8.44% | 8.41% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.99% | 93.09% | 95.83% | 96.52% | 92.57% | 92.07% | 98.41% | 95.48% | -104 bps | |
| Liquid Assets / Assets | 0.53% | 2.24% | 0.19% | 0.10% | 0.09% | 0.08% | 0.00% | 0.02% | -8 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |