Sioux Falls, SD · Cert 58180
FDIC · 1 branch
Q2 2022
Market Position · Sioux Falls, SD · 2022 SOD (annual) · 0.0% share · #12 of 40 inst. · $0.3B of $690.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.63% | 0.88% | 0.33% | 0.97% | 0.62% | 0.86% | 0.89% | +56 bps | |
| Return on Equity | 0.42% | 0.99% | 1.40% | 0.52% | 1.52% | 0.98% | 1.37% | 1.41% | +89 bps | |
| Net Interest Margin | 2.48% | 0.96% | 1.44% | 1.03% | 1.22% | 0.92% | 1.45% | 1.64% | +60 bps | |
| Efficiency Ratio | 64.09% | 33.13% | 18.76% | 74.64% | 13.42% | 33.12% | 27.35% | 26.26% | -4,839 bps | |
| Non-Interest Burden | 1.65% | 0.34% | 0.30% | 0.79% | 0.17% | 0.31% | 0.39% | 0.45% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 116.89% | 118.28% | 110.92% | 119.79% | 0.47% | 1.01% | 0.96% | 1.06% | -11,873 bps | |
| Loan Growth (YoY) | -28.59% | -29.33% | -24.73% | -15.30% | -7.82% | -3.71% | -4.91% | -5.04% | +1,026 bps | |
| Deposit Growth (YoY) | -0.01% | -0.01% | -0.03% | -0.02% | 0.00% | 0.01% | 0.04% | 0.02% | +4 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.91% | 1.40% | 1.31% | 0.90% | 0.96% | 0.94% | 1.15% | 1.08% | +18 bps | |
| Net Charge-Offs / Loans | 3.16% | 0.77% | 0.98% | -0.16% | -0.46% | -0.44% | -0.40% | -0.50% | -34 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 135.99% | 51.27% | 63.70% | 62.55% | 63.93% | 52.30% | 63.74% | 62.59% | +4 bps | |
| Total Risk-Based Capital | 241% | 234% | 240% | 247% | 249% | 239% | 242% | 251% | +390 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 16.76% | 20.04% | 15.08% | 16.29% | 15.45% | 19.30% | 14.33% | 15.46% | -82 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |