Newcastle, WY · Cert 1168
FDIC · 1 branch
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Newcastle, WY · Cert 1168
FDIC · 1 branch
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.60% | 0.55% | 0.60% | 0.40% | 0.44% | 0.23% | -1.21% | -180 bps | |
| Return on Equity | 3.76% | 4.67% | 4.28% | 4.72% | 3.71% | 4.33% | 2.35% | -12.35% | -1,707 bps | |
| Net Interest Margin | 2.03% | 2.01% | 2.00% | 1.93% | 1.86% | 1.86% | 1.87% | 2.29% | +36 bps | |
| Efficiency Ratio | 78.78% | 74.20% | 76.35% | 74.86% | 76.88% | 74.66% | 77.98% | 87.30% | +1,244 bps | |
| Non-Interest Burden | 1.55% | 1.42% | 1.46% | 1.34% | 1.35% | 1.31% | 1.39% | 1.94% | +60 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.51% | 7.10% | 7.75% | 5.09% | -2.23% | -2.06% | -3.84% | -2.08% | -717 bps | |
| Loan Growth (YoY) | 1.18% | -5.98% | -7.09% | 2.36% | 5.17% | -0.51% | 2.88% | -7.25% | -960 bps | |
| Deposit Growth (YoY) | 20.63% | 8.83% | 9.76% | 7.05% | 0.89% | 2.13% | 1.33% | -0.50% | -754 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.24% | 0.23% | 0.55% | 0.62% | 0.60% | 0.28% | 0.46% | 1.05% | +43 bps | |
| Net Charge-Offs / Loans | -0.10% | -0.06% | -0.05% | -0.03% | -0.03% | -0.01% | -0.03% | -0.02% | +1 bps | |
| Allowance / Loans | 2.79% | 2.72% | 2.85% | 2.65% | 2.66% | 2.74% | 2.78% | 0.00% | -265 bps | |
| Allowance Coverage of NPLs | 11.4x | 11.8x | 5.2x | 4.3x | 4.4x | 9.8x | 6.0x | 0.0x | -4.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 11.76% | 11.85% | 11.78% | 11.78% | 11.88% | 11.71% | 7.28% | -450 bps | |
| Total Risk-Based Capital | 36.21% | 39.05% | 38.33% | 36.08% | 37.38% | 38.15% | 39.89% | 23.72% | -1,236 bps | |
| Equity / Assets | 12.61% | 12.64% | 12.49% | 11.93% | 9.84% | 8.90% | 7.78% | 10.33% | -160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 26.72% | 27.40% | 26.10% | 27.28% | 27.85% | 26.69% | 26.50% | 25.43% | -185 bps | |
| Liquid Assets / Assets | 21.32% | 22.24% | 24.23% | 17.19% | 16.22% | 20.75% | 27.93% | 27.89% | +1,070 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |