Sturgis, SD · Cert 26773
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.69% | -1.71% | 1.51% | 1.23% | 0.54% | -0.21% | 0.87% | 0.79% | -44 bps | |
| Return on Equity | 29.19% | -18.92% | 9.08% | 5.28% | 2.36% | -0.96% | 3.95% | 3.59% | -169 bps | |
| Net Interest Margin | 4.32% | 4.18% | 3.72% | 3.77% | 3.60% | 3.23% | 3.29% | 3.44% | -33 bps | |
| Efficiency Ratio | 43.18% | 51.63% | 46.10% | 50.22% | 52.41% | 52.48% | 52.80% | 56.05% | +583 bps | |
| Non-Interest Burden | 1.44% | 1.84% | 1.62% | 1.75% | 1.80% | 1.48% | 1.65% | 1.78% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 6.31% | 21.52% | 22.51% | 21.55% | 23.65% | 6.94% | 7.46% | -1,506 bps | |
| Loan Growth (YoY) | 5.24% | 4.75% | 5.03% | 5.69% | 6.65% | 11.14% | 6.02% | 2.65% | -304 bps | |
| Deposit Growth (YoY) | 8.45% | 6.58% | 1.82% | 3.29% | 3.12% | 5.69% | 8.95% | 8.33% | +504 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 | 0.02% | 0.02% | 0.08% | 0.02% | -0.02% | 3.18% | 0.58% | 0.04% | +2 bps | |
| Allowance / Loans | 1.01% | 2.32% | 1.85% | 1.81% | 2.12% | 2.08% | 2.09% | 2.22% | +41 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 | 11.55% | 11.69% | 12.39% | 12.12% | 11.94% | 12.42% | 14.01% | 13.83% | +171 bps | |
| Equity / Assets | 9.27% | 8.83% | 23.44% | 23.05% | 22.48% | 21.77% | 22.16% | 21.68% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.88% | 85.43% | 91.72% | 93.63% | 92.95% | 89.83% | 89.26% | 88.73% | -491 bps | |
| Liquid Assets / Assets | 0.01% | 0.00% | 0.05% | 0.05% | 0.04% | 0.06% | 0.08% | 0.05% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |