Cody, WY · Charter 14802
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Cody, WY · Charter 14802
Q3 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.31% | -0.78% | -3.66% | -0.61% | -1.05% | -2.06% | -1.39% | -0.90% | -29 bps | |
| Return on Equity | -4.50% | -12.39% | -70.43% | -10.84% | -19.02% | -51.59% | -37.04% | -25.83% | -1,499 bps | |
| Net Interest Margin | 4.08% | 4.07% | 3.84% | 4.96% | 4.11% | 4.00% | 4.15% | 4.33% | -63 bps | |
| Efficiency Ratio | 73.14% | 73.60% | 84.04% | 66.10% | 69.45% | 72.49% | 79.01% | 74.88% | +877 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.09% | 3.10% | 4.62% | 4.06% | 1.65% | 4.39% | -1.98% | -5.57% | -963 bps | |
| Loan Growth (YoY) | -13.77% | -16.00% | -13.10% | -5.31% | -7.21% | -7.98% | -7.83% | -18.32% | -1,301 bps | |
| Share Growth (YoY) | 3.42% | 4.38% | 6.82% | 5.17% | 3.31% | 7.18% | -0.08% | -3.29% | -846 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.32% | 5.76% | 6.60% | 6.33% | 4.88% | 4.53% | 4.42% | 4.14% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 2.29% | 2.22% | 1.97% | 1.66% | 3.36% | 4.17% | 3.86% | +189 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.98% | 6.32% | 5.19% | 5.63% | 5.53% | 3.99% | 3.76% | 3.48% | -216 bps | |
| Net Worth / Assets | 6.98% | 6.32% | 5.19% | 5.63% | 5.53% | 3.99% | 3.76% | 3.48% | -216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.61% | 70.71% | 65.42% | 66.48% | 68.81% | 60.71% | 60.35% | 56.15% | -1,033 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |