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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | -0.40% | -0.45% | -0.62% | 0.22% | 0.34% | 2.06% | 1.61% | +223 bps | |
| Return on Equity | -2.93% | -3.74% | -4.53% | -6.33% | 2.21% | 3.40% | 19.51% | 14.56% | +2,088 bps | |
| Net Interest Margin | 1.34% | 1.19% | 0.79% | 0.90% | 1.24% | 1.62% | 4.48% | 5.00% | +410 bps | |
| Efficiency Ratio | 128.73% | 135.43% | 167.61% | 156.43% | 88.84% | 81.06% | 48.69% | 54.10% | -10,233 bps | |
| Non-Interest Burden | 1.76% | 1.66% | 1.42% | 1.52% | 1.02% | 1.20% | 2.10% | 2.62% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.96% | 3.52% | 7.26% | 5.20% | 3.00% | 6.82% | -3.23% | -9.80% | -1,500 bps | |
| Loan Growth (YoY) | -29.86% | -24.59% | -33.58% | -19.26% | -12.78% | -9.93% | -3.86% | -9.99% | +926 bps | |
| Deposit Growth (YoY) | 15.04% | 4.55% | 9.12% | 6.89% | 3.69% | 7.34% | -4.98% | -12.86% | -1,975 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.54% | 0.56% | 0.70% | 0.56% | 0.51% | 0.75% | 0.38% | 0.28% | -28 bps | |
| Net Charge-Offs / Loans | 1.61% | 1.27% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.67% | 0.74% | 0.89% | 0.82% | 0.87% | 0.90% | 1.00% | 0.99% | +17 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.3x | 1.3x | 1.4x | 1.7x | 1.2x | 2.6x | 3.5x | +2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.21% | 9.68% | 9.34% | 9.98% | 10.05% | 10.84% | 12.02% | +268 bps | |
| Total Risk-Based Capital | 39.98% | 42.58% | 48.03% | 39.06% | 44.92% | 43.30% | 54.17% | 46.29% | +723 bps | |
| Equity / Assets | 10.51% | 10.44% | 9.58% | 9.31% | 10.01% | 10.02% | 11.17% | 12.19% | +288 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 21.89% | 20.90% | 16.35% | 17.77% | 18.41% | 17.54% | 16.54% | 18.35% | +58 bps | |
| Liquid Assets / Assets | 45.68% | 45.66% | 30.43% | 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 | n/a | n/a | n/a |