Lennox, SD · Cert 9947
FDIC · 2 branches
Q2 2023
Market Position · Sioux Falls, SD-MN · 2023 SOD (annual) · 0.0% share · #29 of 42 inst. · $0.1B of $772.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.77% | 1.87% | 0.69% | 2.06% | 1.13% | +190 bps | |
| Return on Equity | -8.18% | 19.32% | 6.87% | 19.51% | 9.69% | +1,788 bps | |
| Net Interest Margin | 1.03% | 1.89% | 2.77% | 4.48% | 5.14% | +412 bps | |
| Efficiency Ratio | 148.36% | 47.76% | 65.72% | 48.69% | 59.20% | -8,916 bps | |
| Non-Interest Burden | 1.64% | -0.03% | 1.75% | 2.10% | 2.97% | +133 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.20% | 3.00% | 6.82% | -3.23% | -9.80% | -1,500 bps | |
| Loan Growth (YoY) | -19.26% | -12.78% | -9.93% | -3.86% | -9.99% | +926 bps | |
| Deposit Growth (YoY) | 6.89% | 3.69% | 7.34% | -4.98% | -12.86% | -1,975 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.51% | 0.75% | 0.38% | 0.28% | -28 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.82% | 0.87% | 0.90% | 1.00% | 0.99% | +17 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.7x | 1.2x | 2.6x | 3.5x | +2.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.34% | 9.98% | 10.05% | 10.84% | 12.02% | +268 bps | |
| Total Risk-Based Capital | 39.06% | 44.92% | 43.30% | 54.17% | 46.29% | +723 bps | |
| Equity / Assets | 9.31% | 10.01% | 10.02% | 11.17% | 12.19% | +288 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 17.77% | 18.41% | 17.54% | 16.54% | 18.35% | +58 bps | |
| Liquid Assets / Assets | 32.64% | 72.32% | 60.25% | 65.55% | 48.60% | +1,596 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |