Cheyenne, WY · Charter 15213
Q2 2001
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 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 4.49% | 4.33% | 3.34% | -3.78% | 0.84% | 1.39% | 1.12% | -222 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 19.73% | 16.21% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | n/a | 3.92% | 4.98% | 5.35% | 4.22% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 112.36% | 78.68% | 93.37% | 100.54% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.75% | 35.44% | 39.48% | 38.86% | 10.69% | -9.27% | -21.99% | -23.98% | -6,283 bps | |
| Loan Growth (YoY) | 59.35% | 62.96% | 55.54% | 38.54% | 14.79% | -10.75% | -21.82% | -28.36% | -6,690 bps | |
| Share Growth (YoY) | 38.26% | 37.34% | 41.71% | 40.70% | 15.09% | -6.86% | -21.19% | -23.80% | -6,450 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.56% | 0.07% | 0.46% | 0.55% | 0.26% | 0.35% | 1.99% | +152 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 | 0.78% | 0.66% | 0.65% | 0.68% | 3.07% | 2.53% | 1.47% | 0.66% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | 7.03% | 6.89% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 7.03% | 6.89% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.30% | 87.86% | 89.73% | 78.49% | 82.08% | 84.19% | 89.01% | 73.79% | -470 bps | |
| Liquid Assets / Assets | 17.20% | 11.24% | 10.12% | 14.69% | 15.15% | 12.55% | 10.82% | 24.27% | +958 bps | |