Sinai, SD · Cert 498
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.50% | 1.84% | 1.18% | 0.91% | 0.95% | 1.21% | 1.58% | +40 bps | |
| Return on Equity | 3.83% | 3.48% | 12.16% | 7.64% | 6.01% | 6.22% | 8.00% | 10.79% | +315 bps | |
| Net Interest Margin | 3.27% | 3.40% | 3.91% | 4.07% | 3.76% | 3.78% | 3.99% | 4.16% | +9 bps | |
| Efficiency Ratio | 73.65% | 82.39% | 47.64% | 56.12% | 69.79% | 65.92% | 51.74% | 47.11% | -901 bps | |
| Non-Interest Burden | 2.32% | 2.75% | 1.09% | 2.13% | 2.51% | 2.41% | 1.90% | 1.79% | -34 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 | 0.87% | -0.18% | 0.05% | 0.13% | 0.28% | 0.00% | 0.41% | -0.07% | -20 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 |