Sioux Falls, SD · Charter 4316
Q2 2011
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.96% | 0.18% | -0.08% | -0.13% | 0.04% | -0.05% | 0.02% | 0.01% | +13 bps | |
| Return on Equity | -24.04% | 2.04% | -0.94% | -1.61% | 0.54% | -0.64% | 0.26% | 0.07% | +168 bps | |
| Net Interest Margin | 3.03% | 3.09% | 3.12% | 3.05% | 3.09% | 3.18% | 2.96% | 2.94% | -12 bps | |
| Efficiency Ratio | 94.13% | 72.80% | 82.32% | 87.32% | 96.05% | 95.27% | 100.12% | 97.91% | +1,059 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.68% | 16.35% | 20.04% | 23.40% | 7.75% | 5.81% | 8.91% | 6.47% | -1,692 bps | |
| Loan Growth (YoY) | -8.61% | -1.61% | 4.12% | 9.59% | 14.86% | 9.83% | -0.45% | 0.45% | -914 bps | |
| Share Growth (YoY) | 11.72% | 12.88% | 17.24% | 21.49% | 12.72% | 11.35% | 14.27% | 10.91% | -1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.17% | 0.08% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.35% | 0.35% | 0.35% | 0.35% | 0.34% | 0.34% | 0.36% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.17% | 8.68% | 8.26% | 7.92% | 7.92% | 7.95% | 7.71% | 7.62% | -30 bps | |
| Net Worth / Assets | 8.17% | 8.68% | 8.26% | 7.92% | 7.92% | 7.95% | 7.71% | 7.62% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.93% | 69.33% | 69.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |