Sioux Falls, SD · Cert 28092
FDIC · 23 branches
Q1 2016
Market Position · Sioux Falls, SD · 2015 SOD (annual) · 0.2% share · #6 of 33 inst. · $0.7B of $434.0B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.36% | 0.58% | 0.88% | 0.85% | 0.92% | +56 bps | |
| Return on Equity | 3.47% | 5.62% | 8.39% | 8.07% | 8.27% | +479 bps | |
| Net Interest Margin | 3.10% | 3.23% | 3.29% | 3.30% | 3.45% | +34 bps | |
| Efficiency Ratio | 77.16% | 73.02% | 67.16% | 68.55% | 66.65% | -1,051 bps | |
| Non-Interest Burden | 2.15% | 2.05% | 1.71% | 1.82% | 2.01% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.49% | -6.95% | -6.77% | -7.22% | 0.31% | +981 bps | |
| Loan Growth (YoY) | 15.57% | 12.88% | 10.75% | 5.71% | 2.14% | -1,343 bps | |
| Deposit Growth (YoY) | -1.68% | -3.40% | -3.90% | -0.70% | -2.74% | -106 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.13% | 0.11% | 0.08% | 0.01% | -8 bps | |
| Allowance / Loans | 1.26% | 1.22% | 1.23% | 1.25% | 1.30% | +4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.23% | 10.39% | 10.62% | 10.69% | 10.94% | +71 bps | |
| Total Risk-Based Capital | 13.64% | 13.29% | 13.64% | 13.68% | 13.90% | +26 bps | |
| Equity / Assets | 10.84% | 10.48% | 10.87% | 10.89% | 11.34% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.28% | 94.04% | 97.63% | 95.40% | 95.86% | +458 bps | |
| Liquid Assets / Assets | 1.79% | 1.72% | 1.75% | 1.72% | 1.77% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |