Langford, SD · Cert 9940
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.03% | 1.21% | 1.14% | 1.08% | 0.97% | 1.13% | 0.82% | -32 bps | |
| Return on Equity | 5.45% | 5.31% | 5.84% | 5.43% | 5.08% | 4.52% | 5.01% | 3.71% | -172 bps | |
| Net Interest Margin | 4.15% | 4.15% | 4.39% | 4.42% | 4.45% | 4.34% | 4.24% | 4.05% | -36 bps | |
| Efficiency Ratio | 64.74% | 66.15% | 64.89% | 65.12% | 66.32% | 69.25% | 69.29% | 74.90% | +978 bps | |
| Non-Interest Burden | 2.63% | 2.70% | 2.80% | 2.82% | 2.90% | 2.96% | 2.90% | 3.00% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.77% | -2.99% | -2.82% | -5.98% | -3.54% | -6.79% | 3.71% | 5.94% | +1,193 bps | |
| Loan Growth (YoY) | -4.81% | -3.87% | 14.09% | 14.39% | 17.47% | 11.73% | -1.98% | -32.15% | -4,654 bps | |
| Deposit Growth (YoY) | 2.01% | -5.06% | -8.42% | -15.75% | -5.65% | -9.96% | 6.08% | 14.96% | +3,071 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 | 0.00% | -0.36% | 0.00% | -0.13% | -0.09% | -0.06% | 0.00% | 0.00% | +13 bps | |
| Allowance / Loans | 6.18% | 6.31% | 5.84% | 5.58% | 5.65% | 5.71% | 6.03% | 8.22% | +264 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 | 44.28% | 43.09% | 42.61% | 41.39% | 42.24% | 43.18% | 44.33% | 51.60% | +1,021 bps | |
| Equity / Assets | 20.43% | 20.00% | 21.49% | 21.51% | 22.26% | 22.68% | 22.24% | 21.18% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.02% | 43.75% | 52.95% | 59.24% | 54.81% | 54.28% | 48.92% | 34.97% | -2,428 bps | |
| Liquid Assets / Assets | 0.21% | 0.20% | 0.22% | 0.23% | 0.23% | 0.23% | 0.22% | 0.22% | 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 |