Sioux Falls, SD · Charter 40
Q3 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.07% | -0.05% | 0.19% | -1.05% | 0.25% | -0.39% | -0.48% | -67 bps | |
| Return on Equity | 2.42% | 0.53% | -0.41% | 1.59% | -9.24% | 2.47% | -3.80% | -4.79% | -637 bps | |
| Net Interest Margin | 3.20% | 3.38% | 3.39% | 3.31% | 3.54% | 2.57% | 2.66% | 2.64% | -67 bps | |
| Efficiency Ratio | 90.86% | 95.28% | 97.62% | 83.57% | 89.29% | 91.52% | 95.87% | 104.41% | +2,084 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.89% | -2.14% | -1.85% | 1.13% | 3.85% | 19.30% | 11.70% | 8.23% | +711 bps | |
| Loan Growth (YoY) | 16.92% | 3.17% | 10.39% | 23.01% | 3.87% | -2.16% | -12.46% | -21.40% | -4,441 bps | |
| Share Growth (YoY) | 4.26% | -2.53% | -1.99% | 0.69% | 5.43% | 23.23% | 14.56% | 10.77% | +1,008 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.14% | 0.84% | 0.60% | 2.53% | 0.00% | 1.00% | 1.00% | 0.97% | -156 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 0.97% | 0.86% | 0.73% | 0.89% | 0.94% | 1.46% | 1.49% | +76 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.80% | 12.94% | 12.49% | 12.05% | 11.34% | 10.16% | 10.29% | 10.04% | -200 bps | |
| Net Worth / Assets | 12.80% | 12.94% | 12.49% | 12.05% | 11.34% | 10.16% | 10.29% | 10.04% | -200 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.59% | 80.54% | 82.10% | 85.38% | 76.44% | 63.94% | 62.74% | 60.59% | -2,479 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |