Sinai, SD · Cert 498
FDIC
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Sinai, SD · Cert 498
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 0.50% | 1.15% | 1.15% | 1.09% | 0.95% | 1.07% | 1.25% | +9 bps | |
| Return on Equity | n/a | 3.48% | 7.84% | 7.77% | 7.32% | 6.22% | 7.11% | 8.36% | +58 bps | |
| Net Interest Margin | 3.53% | 3.40% | 3.66% | 3.72% | 3.61% | 3.78% | 3.80% | 3.73% | +1 bps | |
| Efficiency Ratio | 62.43% | 82.39% | 61.73% | 59.86% | 62.31% | 65.92% | 58.42% | 54.21% | -565 bps | |
| Non-Interest Burden | 2.09% | 2.75% | 1.92% | 1.95% | 2.03% | 2.41% | 2.10% | 1.89% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.36% | 3.89% | 1.91% | 4.92% | -1.76% | 2.44% | 12.40% | 14.10% | +917 bps | |
| Loan Growth (YoY) | 0.91% | 2.51% | 1.75% | 6.24% | 6.67% | 7.75% | 12.59% | 12.48% | +624 bps | |
| Deposit Growth (YoY) | 10.25% | 3.98% | 1.72% | 3.72% | -2.68% | 1.93% | 8.27% | 9.23% | +551 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 | 0.21% | -0.18% | -0.05% | 0.01% | 0.08% | 0.00% | 0.21% | 0.11% | +10 bps | |
| Allowance / Loans | 1.41% | 1.46% | 1.32% | 1.30% | 1.31% | 1.31% | 1.13% | 1.11% | -20 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 | 15.89% | 20.59% | 19.71% | 20.42% | 19.69% | 21.32% | 20.08% | 19.77% | -65 bps | |
| Equity / Assets | 13.76% | 14.84% | 15.49% | 15.34% | 14.92% | 15.55% | 14.78% | 14.53% | -81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.89% | 92.35% | 104.57% | 107.41% | 94.13% | 97.63% | 108.74% | 110.61% | +320 bps | |
| Liquid Assets / Assets | 6.63% | 8.24% | 8.04% | 7.24% | 8.05% | 8.11% | 7.56% | 6.90% | -33 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |