Sioux Falls, SD · Cert 34103
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.54% | 6.49% | -12.83% | -33.86% | -27.01% | -22.21% | -19.98% | -44.12% | -1,026 bps | |
| Return on Equity | -12.22% | 44.46% | -53.21% | -163.69% | -144.40% | -127.77% | -234% | -1426% | -126,280 bps | |
| Net Interest Margin | 4.76% | 4.71% | 1.99% | 1.41% | 1.39% | 1.27% | 0.46% | 0.81% | -60 bps | |
| Efficiency Ratio | 87.74% | 41.45% | 113.12% | 107.23% | 150.54% | 165.97% | n/a | n/a | n/a | |
| Non-Interest Burden | 3.64% | -6.99% | 2.64% | 1.83% | 3.75% | 4.37% | 13.02% | 20.92% | +1,909 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 | 2.45% | 2.75% | 4.24% | 8.08% | 17.23% | 20.34% | 20.92% | 46.06% | +3,799 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 |