Sioux Falls, SD · Cert 33868
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.
Sioux Falls, SD · Cert 33868
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 | 8.87% | 10.38% | 11.52% | 11.41% | 11.37% | 10.21% | 11.94% | 12.80% | +139 bps | |
| Return on Equity | 19.62% | 22.36% | 24.68% | 25.67% | 30.26% | 26.87% | 33.65% | 34.97% | +929 bps | |
| Net Interest Margin | 1.54% | 1.80% | 1.85% | 1.32% | 0.90% | 1.50% | 1.00% | 0.59% | -73 bps | |
| Efficiency Ratio | 94.92% | 93.90% | 93.09% | 92.70% | 91.26% | 91.94% | 89.79% | 89.21% | -349 bps | |
| Non-Interest Burden | -13.83% | -17.37% | -19.61% | -15.73% | -14.70% | -21.19% | -23.67% | -21.88% | -615 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.58% | 1.47% | 0.09% | 13.82% | 32.60% | 27.07% | 68.33% | -7.49% | -2,131 bps | |
| Loan Growth (YoY) | -4.63% | 16.11% | 21.15% | 112.10% | 143.95% | 101.57% | 219% | -29.40% | -14,150 bps | |
| Deposit Growth (YoY) | 89.50% | 33.81% | 6.45% | 37.40% | 104.20% | 93.08% | 211% | -16.36% | -5,376 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 60.48% | 59.76% | 62.75% | 47.33% | 44.94% | 45.90% | 38.76% | 57.88% | +1,054 bps | |
| Equity / Assets | 48.60% | 48.90% | 47.59% | 37.34% | 37.81% | 38.85% | 29.92% | 41.70% | +435 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.73% | 94.33% | 76.29% | 84.69% | 96.45% | 98.48% | 78.18% | 71.48% | -1,320 bps | |
| Liquid Assets / Assets | 24.45% | 22.61% | 30.12% | 26.32% | 19.79% | 19.13% | 28.49% | 34.89% | +857 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |