Milbank, SD · Cert 26638
FDIC · 3 branches
Q2 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 0.95% | 0.91% | 0.91% | 0.99% | 1.00% | 0.96% | 0.97% | +6 bps | |
| Return on Equity | 8.10% | 7.95% | 7.76% | 7.75% | 8.38% | 8.49% | 7.96% | 7.97% | +22 bps | |
| Net Interest Margin | 3.51% | 3.54% | 3.61% | 3.59% | 3.60% | 3.60% | 3.60% | 3.64% | +5 bps | |
| Efficiency Ratio | 65.76% | 64.76% | 64.89% | 64.91% | 62.43% | 61.55% | 63.17% | 63.42% | -148 bps | |
| Non-Interest Burden | 2.21% | 2.19% | 2.26% | 2.25% | 2.15% | 2.12% | 2.13% | 2.16% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.18% | 4.37% | 4.47% | 5.44% | 3.85% | 2.31% | 2.40% | -1.62% | -705 bps | |
| Loan Growth (YoY) | 8.45% | 7.92% | 12.85% | 11.71% | 6.92% | 5.91% | 2.49% | -0.64% | -1,235 bps | |
| Deposit Growth (YoY) | 1.85% | 2.92% | 2.52% | 2.99% | 3.41% | 1.87% | 3.01% | 4.69% | +170 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 | -0.06% | -0.02% | -0.02% | 0.00% | 0.00% | 0.00% | -0.05% | -0.02% | -2 bps | |
| Allowance / Loans | 1.20% | 1.20% | 1.21% | 1.15% | 1.14% | 1.15% | 1.21% | 1.19% | +4 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 | 11.28% | 11.46% | n/a | |
| Total Risk-Based Capital | 15.57% | 15.17% | 15.43% | 14.87% | 15.07% | 15.02% | 15.82% | 15.86% | +99 bps | |
| Equity / Assets | 11.85% | 11.35% | 11.99% | 11.79% | 11.90% | 11.75% | 12.41% | 12.43% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.43% | 80.37% | 84.26% | 89.93% | 91.43% | 83.56% | 83.83% | 85.35% | -458 bps | |
| Liquid Assets / Assets | 7.27% | 6.57% | 6.82% | 6.54% | 6.46% | 5.98% | 6.65% | 5.71% | -83 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |