Sioux Falls, SD · Charter 4316
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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.
Sioux Falls, SD · Charter 4316
Q2 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.13% | 0.04% | -0.05% | 0.02% | 0.01% | +13 bps | |
| Return on Equity | -1.61% | 0.54% | -0.64% | 0.26% | 0.07% | +168 bps | |
| Net Interest Margin | 3.05% | 3.09% | 3.18% | 2.96% | 2.94% | -12 bps | |
| Efficiency Ratio | 87.32% | 96.05% | 95.27% | 100.12% | 97.91% | +1,059 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.40% | 7.75% | 5.81% | 8.91% | 6.47% | -1,692 bps | |
| Loan Growth (YoY) | 9.59% | 14.86% | 9.83% | -0.45% | 0.45% | -914 bps | |
| Share Growth (YoY) | 21.49% | 12.72% | 11.35% | 14.27% | 10.91% | -1,058 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.13% | 0.06% | 0.06% | 0.51% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.35% | 0.34% | 0.34% | 0.36% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.92% | 7.92% | 7.95% | 7.71% | 7.62% | -30 bps | |
| Net Worth / Assets | 7.92% | 7.92% | 7.95% | 7.71% | 7.62% | -30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.42% | 65.14% | 68.38% | 60.93% | 61.97% | -645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |