Rock Springs, WY · Cert 13244
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.96% | 0.48% | 0.78% | 0.81% | 0.68% | 1.27% | 0.48% | -30 bps | |
| Return on Equity | 3.78% | 5.82% | 2.96% | 5.02% | 5.19% | 4.22% | 8.08% | 3.09% | -193 bps | |
| Net Interest Margin | 3.36% | 3.33% | 3.16% | 3.05% | 3.33% | 3.36% | 3.33% | 3.35% | +30 bps | |
| Efficiency Ratio | 73.94% | 59.72% | 77.55% | 64.74% | 65.33% | 72.45% | 57.60% | 79.80% | +1,506 bps | |
| Non-Interest Burden | 2.42% | 1.87% | 2.39% | 1.89% | 2.08% | 2.36% | 1.40% | 2.62% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 4.34% | 2.56% | 5.21% | -0.71% | 3.58% | 4.52% | 1.07% | -413 bps | |
| Loan Growth (YoY) | 4.80% | 5.00% | 3.32% | 0.19% | 2.98% | 8.78% | 14.94% | 21.67% | +2,148 bps | |
| Deposit Growth (YoY) | 2.11% | 5.91% | 3.65% | 6.18% | -0.45% | 4.21% | 4.81% | 0.66% | -552 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 | -0.01% | 0.13% | 0.48% | 0.00% | 0.05% | -0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 2.04% | 1.97% | 1.92% | 1.95% | 1.83% | 1.69% | 1.66% | 1.59% | -36 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 | 45.10% | 45.01% | 44.48% | 44.47% | 43.84% | 42.14% | 40.85% | 40.18% | -429 bps | |
| Equity / Assets | 16.32% | 16.50% | 15.75% | 15.37% | 16.03% | 15.96% | 15.44% | 15.67% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 34.67% | 35.70% | 34.23% | 32.50% | 35.86% | 37.26% | 37.54% | 39.28% | +678 bps | |
| Liquid Assets / Assets | 1.87% | 3.17% | 3.17% | 3.07% | 3.18% | 3.15% | 3.12% | 3.12% | +6 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |