Rapid City, SD · Cert 34202
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Rapid City, SD · Cert 34202
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 9.94% | 16.06% | 15.20% | 37.31% | 32.76% | 30.48% | 29.81% | -1.91% | -3,922 bps | |
| Return on Equity | n/a | n/a | n/a | 49.94% | 54.02% | 52.21% | 53.51% | -5.89% | -5,582 bps | |
| Net Interest Margin | 11.90% | 8.46% | 8.48% | 1.65% | 2.43% | 1.88% | 1.55% | -2.53% | -418 bps | |
| Efficiency Ratio | 76.21% | 69.72% | 71.46% | 62.90% | 64.94% | 70.44% | 69.81% | n/a | n/a | |
| Non-Interest Burden | -12.98% | -22.50% | -23.49% | -52.25% | -88.32% | -64.40% | -76.17% | 0.75% | +5,300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -46.01% | -14.01% | -28.93% | -66.38% | -42.68% | -63.56% | -76.82% | -48.69% | +1,769 bps | |
| Loan Growth (YoY) | -52.72% | -10.98% | -5.86% | -77.20% | 1.63% | -65.99% | -100.00% | -100.00% | -2,280 bps | |
| Deposit Growth (YoY) | -4.00% | -0.78% | 389% | 1029% | 1032% | 1022% | 83.19% | -56.15% | -108,506 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | 8.67% | 6.91% | 5.38% | 28.62% | 5.10% | 9.99% | 18.45% | n/a | n/a | |
| Allowance / Loans | 4.94% | 3.64% | 3.37% | 15.28% | 1.82% | 2.40% | n/a | n/a | 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 | 79.91% | 82.75% | 91.23% | 39.12% | 30.30% | 50.70% | 31.85% | 38.38% | -75 bps | |
| Equity / Assets | 75.48% | 76.24% | 88.21% | 35.61% | 28.30% | 47.64% | 28.82% | 37.20% | +159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 4187% | 4998% | 1231% | 63.01% | 376% | 151.46% | 0.00% | 0.00% | -6,301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.06% | 0.11% | 0.15% | +15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |