Armour, SD · Cert 3983
FDIC · 4 branches
Q2 2016
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 1.14% | 1.22% | 0.86% | 0.80% | -8 bps | |
| Return on Equity | 12.76% | 16.35% | 17.36% | 11.53% | 10.69% | -206 bps | |
| Net Interest Margin | 2.81% | 2.91% | 2.92% | 3.04% | 3.07% | +26 bps | |
| Efficiency Ratio | 71.17% | 66.03% | 65.41% | 71.88% | 73.37% | +220 bps | |
| Non-Interest Burden | 1.86% | 1.65% | 1.57% | 2.03% | 2.13% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.01% | 0.08% | -2.24% | -4.58% | -3.37% | -1,137 bps | |
| Loan Growth (YoY) | 6.62% | 1.81% | -2.92% | 0.99% | -1.00% | -762 bps | |
| Deposit Growth (YoY) | 8.28% | -0.55% | -2.74% | -5.23% | -4.04% | -1,232 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.07% | 0.08% | 0.06% | +7 bps | |
| Allowance / Loans | 0.47% | 0.50% | 0.42% | 0.45% | 0.49% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 6.74% | 7.19% | 7.17% | 7.52% | 7.34% | +60 bps | |
| Total Risk-Based Capital | 12.76% | 13.63% | 12.56% | 13.62% | 13.21% | +45 bps | |
| Equity / Assets | 6.86% | 7.42% | 7.22% | 7.62% | 7.60% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.89% | 68.81% | 72.47% | 70.99% | 70.04% | +215 bps | |
| Liquid Assets / Assets | 11.86% | 11.67% | 8.33% | 9.91% | 9.15% | -271 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |