Sioux Falls, SD · Cert 34103
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 35.51% | -12.83% | -57.17% | -11.03% | -4.83% | -19.98% | -71.16% | -1,399 bps | |
| Return on Equity | 6.10% | 187.27% | -53.21% | -312% | -94.36% | -44.25% | -234% | 4759% | +507,178 bps | |
| Net Interest Margin | 4.10% | 3.70% | 1.99% | 0.68% | 0.67% | 0.66% | 0.46% | 1.11% | +43 bps | |
| Efficiency Ratio | 73.85% | 13.22% | 113.12% | 101.60% | 578% | 224% | n/a | n/a | n/a | |
| Non-Interest Burden | 1.65% | -39.55% | 2.64% | 0.82% | 6.72% | 5.51% | 13.02% | 27.55% | +2,674 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -17.56% | -26.67% | -34.89% | -36.06% | -36.46% | -33.57% | -33.19% | -39.11% | -306 bps | |
| Loan Growth (YoY) | -15.79% | -22.69% | -24.83% | -24.07% | -30.72% | -31.32% | -36.16% | -48.59% | -2,452 bps | |
| Deposit Growth (YoY) | -14.88% | -40.00% | -43.39% | -35.41% | -35.18% | -16.21% | -16.63% | -22.71% | +1,270 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 | 1.51% | 2.97% | 4.24% | 11.63% | 32.59% | 24.39% | 20.92% | 64.42% | +5,279 bps | |
| Allowance / Loans | 4.76% | 7.80% | 11.24% | 25.81% | 22.39% | 18.56% | 18.38% | 25.18% | -64 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 | 17.62% | 29.20% | 28.70% | 16.63% | 14.61% | 13.51% | 8.68% | -14.69% | -3,133 bps | |
| Equity / Assets | 13.82% | 24.73% | 23.44% | 12.14% | 11.20% | 10.62% | 6.29% | -11.75% | -2,389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.21% | 107.59% | 103.65% | 99.45% | 91.07% | 88.19% | 79.37% | 66.15% | -3,330 bps | |
| Liquid Assets / Assets | 0.05% | 0.07% | 0.04% | 0.06% | 0.03% | 4.48% | 10.09% | 14.93% | +1,488 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |