Wall, SD · Cert 488
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.31% | 1.40% | 1.28% | 1.10% | 0.83% | 0.63% | 0.19% | 0.04% | -106 bps | |
| Return on Equity | 25.30% | 15.36% | 7.67% | 5.73% | 4.06% | 2.97% | 0.79% | 0.18% | -555 bps | |
| Net Interest Margin | 3.69% | 3.73% | 3.35% | 3.41% | 3.43% | 3.25% | 2.68% | 2.76% | -65 bps | |
| Efficiency Ratio | 44.03% | 45.30% | 49.07% | 52.08% | 60.89% | 57.31% | 68.42% | 73.74% | +2,167 bps | |
| Non-Interest Burden | 1.38% | 1.42% | 1.64% | 1.80% | 2.14% | 1.74% | 1.92% | 2.13% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.79% | 6.50% | 24.96% | 15.13% | 9.07% | 12.96% | -4.70% | 0.55% | -1,458 bps | |
| Loan Growth (YoY) | 5.99% | 7.12% | 4.05% | -4.88% | -6.17% | -9.78% | -12.80% | -11.89% | -701 bps | |
| Deposit Growth (YoY) | 8.94% | 6.55% | 5.20% | -5.97% | -11.46% | -6.84% | -6.76% | 2.02% | +799 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 | 0.00% | 0.02% | 0.00% | -0.01% | 0.00% | 0.55% | 0.67% | 0.34% | +35 bps | |
| Allowance / Loans | 1.03% | 2.10% | 2.10% | 2.19% | 2.30% | 2.68% | 2.86% | 3.23% | +104 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 | 10.90% | 10.94% | 11.45% | 11.28% | 11.55% | 12.13% | 13.19% | 13.71% | +243 bps | |
| Equity / Assets | 8.99% | 9.02% | 23.35% | 24.15% | 24.19% | 24.19% | 24.61% | 24.11% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.05% | 91.12% | 92.01% | 94.64% | 93.31% | 88.25% | 86.05% | 81.75% | -1,290 bps | |
| Liquid Assets / Assets | 0.07% | 0.07% | 0.11% | 0.08% | 0.08% | 0.08% | 0.08% | 0.12% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |