Sioux Falls, SD · Cert 33868
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 12.31% | 14.18% | 11.95% | 11.37% | 8.96% | 15.98% | 13.29% | +134 bps | |
| Return on Equity | 19.62% | 25.25% | 29.40% | 28.56% | 30.26% | 23.39% | 47.47% | 38.23% | +967 bps | |
| Net Interest Margin | 1.54% | 1.93% | 1.94% | 1.07% | 0.90% | 1.53% | 0.37% | -0.24% | -132 bps | |
| Efficiency Ratio | 94.92% | 92.80% | 91.38% | 91.47% | 91.26% | 92.67% | 85.31% | 87.43% | -404 bps | |
| Non-Interest Burden | -13.83% | -19.78% | -23.92% | -18.24% | -14.70% | -18.20% | -34.13% | -25.82% | -758 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 |