Madison, SD · Cert 27078
FDIC · 7 branches
Q3 2020
Market Position · Sioux Falls, SD · 2020 SOD (annual) · 0.1% share · #7 of 38 inst. · $0.8B of $771.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.21% | 1.40% | 1.54% | 1.42% | 1.28% | 1.31% | 1.80% | +26 bps | |
| Return on Equity | 10.75% | 10.12% | 11.66% | 12.79% | 11.63% | 10.42% | 10.89% | 15.59% | +281 bps | |
| Net Interest Margin | 4.83% | 4.48% | 4.58% | 4.59% | 4.49% | 4.30% | 4.16% | 4.26% | -33 bps | |
| Efficiency Ratio | 66.37% | 64.75% | 61.31% | 59.99% | 58.05% | 63.16% | 55.59% | 54.85% | -514 bps | |
| Non-Interest Burden | 2.91% | 2.62% | 2.40% | 2.30% | 2.23% | 2.39% | 1.73% | 1.64% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.89% | 7.10% | 8.36% | 11.54% | 4.48% | 9.83% | 13.56% | 13.50% | +196 bps | |
| Loan Growth (YoY) | 1.91% | -0.12% | 1.42% | 1.23% | 4.22% | 10.00% | 11.29% | 16.58% | +1,535 bps | |
| Deposit Growth (YoY) | 7.02% | 9.74% | 8.01% | 12.33% | 4.01% | 9.25% | 13.85% | 12.22% | -10 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.85% | 0.87% | 0.86% | 1.51% | 1.33% | 1.05% | 2.25% | 2.07% | +56 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.25% | 0.05% | 0.07% | 0.36% | 0.07% | 0.25% | 0.11% | +3 bps | |
| Allowance / Loans | 1.24% | 1.24% | 1.24% | 1.28% | 1.27% | 1.25% | 1.39% | 1.36% | +9 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.4x | 1.4x | 0.8x | 1.0x | 1.2x | 0.6x | 0.7x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.51% | 10.57% | 10.75% | 10.73% | 10.88% | 10.90% | 10.43% | 9.90% | -82 bps | |
| Total Risk-Based Capital | 13.12% | 13.51% | 13.49% | 13.66% | 13.90% | 10.90% | 10.43% | 9.90% | -376 bps | |
| Equity / Assets | 11.77% | 12.11% | 11.98% | 12.10% | 12.32% | 12.23% | 11.80% | 11.26% | -84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.72% | 91.57% | 91.42% | 89.95% | 91.90% | 92.21% | 89.36% | 93.44% | +349 bps | |
| Liquid Assets / Assets | 7.63% | 6.14% | 2.47% | 2.31% | 2.29% | 1.25% | 3.28% | 1.14% | -118 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |