PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stockmen's Bank, The

Kingman, AZ · Cert 23182

FDIC

Q4 2006

$1.2BAssets
$734.7MLoans
$1.1BDeposits
$91.0MEquity
Loan mix
63%RE $88.7M36%C&I $51.2M1%Consumer $1.5MQ1 2005Q4 2006
Deposit mix
76%Interest-bearing $826.8M24%Noninterest $263.5MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 0.88%, down 28 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 67.39% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

0.88%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+16 bps YoY

Efficiency Ratio (YTD, annualized)

55.89%-243 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.55%Q4 ’044.78%Q4 ’055.56%Q4 ’06-1%+5%

Non-interest income vs. expense

2.58%Q4 ’042.38%Q4 ’052.40%Q4 ’06-7%-2%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.08%1.12%1.15%1.15%1.16%1.15%0.75%0.88%-28 bps
Return on Equity16.34%17.08%17.56%17.52%17.11%17.00%10.88%12.56%-497 bps
Net Interest Margin3.70%3.66%3.57%3.46%3.62%3.56%3.51%3.62%+16 bps
Efficiency Ratio60.52%59.63%59.13%58.31%56.43%56.90%57.10%55.89%-243 bps
Non-Interest Burden2.04%1.96%1.89%1.80%1.80%1.77%1.75%1.76%-4 bps
Growth
Asset Growth (YoY)22.11%18.23%19.60%20.99%20.52%17.58%10.83%6.89%-1,410 bps
Loan Growth (YoY)23.10%23.61%18.57%19.16%19.82%20.39%25.24%22.98%+382 bps
Deposit Growth (YoY)21.07%16.52%19.56%20.43%19.84%16.18%8.81%4.12%-1,630 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%-0.01%-0.01%0.00%0.02%+2 bps
Allowance / Loans0.97%0.96%0.96%0.95%0.95%0.94%0.94%0.94%-1 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.97%10.83%10.80%11.35%11.26%10.98%10.93%11.12%-22 bps
Equity / Assets6.50%6.55%6.39%6.80%6.72%6.85%7.18%7.43%+63 bps
Liquidity & Funding
Loans / Deposits57.28%58.77%56.50%57.06%57.27%60.89%65.03%67.39%+1,033 bps
Liquid Assets / Assets19.85%18.49%19.85%19.85%19.81%20.09%7.51%28.41%+856 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a