Sturgis, SD · Charter 8053
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Sturgis, SD · Charter 8053
Q1 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.26% | 1.58% | 0.77% | 0.51% | 0.76% | 0.25% | -0.02% | -79 bps | |
| Return on Equity | 16.43% | 17.04% | 21.23% | 10.31% | 6.59% | 8.83% | 3.02% | -0.18% | -1,049 bps | |
| Net Interest Margin | 3.93% | 3.81% | 3.88% | 3.46% | 3.60% | 3.92% | 3.74% | 3.67% | +21 bps | |
| Efficiency Ratio | 78.05% | 77.62% | 73.62% | 85.07% | 81.01% | 76.02% | 77.82% | 76.08% | -900 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.29% | -3.47% | -1.16% | 0.24% | -0.31% | -8.32% | -5.29% | -12.40% | -1,264 bps | |
| Loan Growth (YoY) | -18.96% | -10.16% | -9.49% | -8.27% | 2.52% | -1.67% | -3.71% | -11.04% | -277 bps | |
| Share Growth (YoY) | -7.10% | -4.76% | -1.50% | 0.00% | -0.32% | -9.19% | -6.12% | -13.60% | -1,360 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.81% | 0.65% | 0.41% | 1.37% | 1.53% | 1.20% | 0.83% | +42 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 | 1.23% | 1.29% | 1.20% | 0.59% | 0.94% | 1.10% | 0.64% | 1.20% | +62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.18% | 7.42% | 7.45% | 7.49% | 7.73% | 8.63% | 8.11% | 8.59% | +110 bps | |
| Net Worth / Assets | 7.18% | 7.42% | 7.45% | 7.49% | 7.73% | 8.63% | 8.11% | 8.59% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.17% | 58.81% | 56.80% | 54.23% | 58.80% | 63.67% | 58.26% | 55.84% | +161 bps | |
| Liquid Assets / Assets | 29.00% | 22.59% | 19.77% | 22.22% | 20.39% | 17.83% | 42.36% | 44.79% | +2,257 bps | |