Beresford, SD · Cert 30789
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Beresford, SD · Cert 30789
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.30% | -0.49% | -0.77% | -0.71% | -1.72% | -0.79% | -0.95% | -18 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.77% | 3.75% | 3.83% | 3.75% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 114.78% | 104.74% | 93.41% | 101.05% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 4.47% | 3.98% | 3.45% | 3.81% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -16.70% | -12.20% | -13.79% | -5.48% | -7.76% | -3.38% | -6.21% | +758 bps | |
| Loan Growth (YoY) | -9.13% | -14.13% | -11.75% | -14.63% | -13.56% | -5.83% | -9.05% | -6.62% | +801 bps | |
| Deposit Growth (YoY) | 0.67% | -10.84% | -6.90% | -8.49% | -1.14% | -6.57% | -2.35% | -5.74% | +274 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 | n/a | n/a | n/a | n/a | 0.06% | 2.23% | 1.62% | 1.39% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 2.75% | 2.84% | 3.13% | 3.18% | n/a | |
| 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 | n/a | n/a | n/a | n/a | 12.02% | 11.02% | 12.05% | 11.96% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 6.45% | 6.41% | 6.69% | 6.63% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.41% | 70.79% | 72.64% | 68.69% | 65.93% | 71.35% | 67.66% | 68.05% | -64 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 15.60% | 6.56% | 7.19% | 7.89% | +789 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |