Sioux Falls, SD · Cert 35545
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.11% | 1.08% | 0.83% | 0.83% | 0.86% | 0.98% | 0.96% | +13 bps | |
| Return on Equity | 13.34% | 13.35% | 12.85% | 9.87% | 9.67% | 9.90% | 11.13% | 10.42% | +56 bps | |
| Net Interest Margin | 3.74% | 3.84% | 3.76% | 3.38% | 3.46% | 3.49% | 3.68% | 3.67% | +30 bps | |
| Efficiency Ratio | 55.19% | 54.13% | 55.23% | 61.87% | 63.19% | 62.39% | 62.88% | 60.89% | -98 bps | |
| Non-Interest Burden | 1.91% | 1.91% | 1.92% | 1.96% | 2.07% | 2.05% | 2.19% | 2.08% | +13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.79% | -7.45% | -3.21% | -0.30% | 1.86% | -2.20% | -5.45% | -4.86% | -456 bps | |
| Loan Growth (YoY) | 5.02% | 4.98% | -1.24% | -6.56% | -1.90% | -2.12% | 10.25% | 11.70% | +1,826 bps | |
| Deposit Growth (YoY) | -13.72% | -8.82% | -3.81% | -0.55% | 3.32% | -1.24% | -5.14% | -4.44% | -389 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 | 0.33% | 0.26% | 0.21% | -0.21% | -0.44% | -0.42% | -0.32% | 0.05% | +26 bps | |
| Allowance / Loans | 1.46% | 1.44% | 1.52% | 1.67% | 1.78% | 1.84% | 1.51% | 1.54% | -12 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 | 13.12% | 13.05% | 13.41% | 13.95% | 13.76% | 13.55% | 12.79% | 13.08% | -87 bps | |
| Equity / Assets | 8.65% | 8.66% | 8.48% | 8.37% | 8.83% | 9.11% | 9.32% | 9.15% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.82% | 88.92% | 83.51% | 79.00% | 83.38% | 88.13% | 97.06% | 92.34% | +1,334 bps | |
| Liquid Assets / Assets | 10.90% | 10.42% | 15.03% | 21.41% | 17.62% | 13.83% | 8.69% | 13.06% | -835 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |