Brookings, SD · Charter 9564
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.45% | 0.46% | 0.04% | 0.15% | 0.21% | 0.21% | 0.34% | +30 bps | |
| Return on Equity | 6.64% | 4.59% | 4.65% | 0.38% | 1.56% | 2.12% | 2.10% | 3.26% | +288 bps | |
| Net Interest Margin | 3.63% | 3.63% | 3.58% | 3.38% | 3.40% | 3.51% | 3.38% | 2.82% | -56 bps | |
| Efficiency Ratio | 84.45% | 89.02% | 88.79% | 99.04% | 86.01% | 87.80% | 89.21% | 89.62% | -942 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.75% | -2.43% | 1.38% | 2.74% | 4.09% | -0.10% | -0.43% | -7.73% | -1,047 bps | |
| Loan Growth (YoY) | -6.46% | -9.73% | -10.01% | -9.51% | -11.11% | -16.94% | -22.23% | -23.99% | -1,449 bps | |
| Share Growth (YoY) | -4.66% | -2.95% | 1.38% | 2.86% | 4.40% | -0.30% | -1.64% | -8.89% | -1,174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.85% | 0.89% | 0.32% | 0.00% | 0.00% | 0.59% | 0.62% | +30 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 | 0.34% | 0.34% | 0.34% | 0.36% | 0.23% | 0.25% | 0.27% | 0.32% | -4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.59% | 9.76% | 9.83% | 9.35% | 9.42% | 10.06% | 10.08% | 10.42% | +108 bps | |
| Net Worth / Assets | 9.59% | 9.76% | 9.83% | 9.35% | 9.42% | 10.06% | 10.08% | 10.42% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.75% | 72.74% | 71.66% | 65.09% | 61.95% | 60.60% | 56.66% | 54.30% | -1,079 bps | |
| Liquid Assets / Assets | 32.00% | 32.25% | 33.15% | 35.80% | 41.74% | 43.40% | 47.19% | 47.81% | +1,201 bps | |