Laramie, WY · Cert 23277
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.86% | 0.92% | 0.17% | 1.09% | 1.34% | 1.53% | 1.60% | +143 bps | |
| Return on Equity | n/a | n/a | n/a | 2.27% | 13.71% | 16.51% | 18.29% | 16.75% | +1,448 bps | |
| Net Interest Margin | 4.14% | 4.09% | 4.21% | 4.52% | 4.73% | 4.58% | 4.57% | 4.53% | 0 bps | |
| Efficiency Ratio | 80.87% | 77.26% | 74.78% | 69.35% | 69.98% | 69.00% | 69.02% | 69.48% | +13 bps | |
| Non-Interest Burden | 3.23% | 3.02% | 2.98% | 2.89% | 3.07% | 2.89% | 2.89% | 2.88% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 5.30% | 2.67% | 1.83% | -5.49% | 1.65% | -1.64% | 4.15% | +232 bps | |
| Loan Growth (YoY) | 21.34% | 20.93% | 21.46% | 21.38% | 6.46% | 3.05% | -9.09% | -6.57% | -2,795 bps | |
| Deposit Growth (YoY) | 4.29% | 3.21% | 1.83% | 4.57% | -0.98% | 6.87% | 2.71% | 2.83% | -175 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% | -0.01% | -0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.85% | 1.83% | 1.72% | 1.74% | 1.70% | 1.77% | 1.91% | 1.86% | +12 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 | 10.80% | 11.28% | 10.41% | 10.84% | 11.63% | 12.22% | 13.66% | 14.44% | +360 bps | |
| Equity / Assets | 7.69% | 8.00% | 7.45% | 7.87% | 8.59% | 8.55% | 9.40% | 9.75% | +188 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.02% | 80.08% | 87.58% | 87.91% | 86.03% | 77.21% | 77.51% | 79.88% | -804 bps | |
| Liquid Assets / Assets | 0.03% | 0.03% | 0.00% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |