Rock Springs, WY · Cert 24334
FDIC · 3 branches
Q3 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.39% | 0.39% | -0.31% | 0.67% | 1.32% | 1.07% | 0.96% | +127 bps | |
| Return on Equity | 7.25% | 3.12% | 3.41% | -3.03% | 6.78% | 13.33% | 10.65% | 9.61% | +1,264 bps | |
| Net Interest Margin | 3.91% | 3.83% | 3.27% | 2.84% | 3.13% | 2.97% | 2.94% | 2.88% | +3 bps | |
| Efficiency Ratio | 53.26% | 58.70% | 45.28% | 62.91% | 58.24% | 52.94% | 59.77% | 62.78% | -13 bps | |
| Non-Interest Burden | 1.82% | 2.06% | 1.21% | 1.63% | 1.61% | 1.25% | 1.54% | 1.65% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.88% | 6.26% | 29.06% | 26.90% | 29.33% | 34.27% | 9.35% | 9.45% | -1,744 bps | |
| Loan Growth (YoY) | 12.17% | 13.42% | 21.13% | 14.18% | 10.94% | 11.10% | -3.03% | 1.34% | -1,284 bps | |
| Deposit Growth (YoY) | -1.98% | 6.13% | 32.20% | 29.98% | 32.47% | 38.09% | 9.37% | 9.23% | -2,075 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.66% | 0.61% | 0.52% | 0.06% | 0.04% | 0.02% | 0.03% | 0.02% | -3 bps | |
| Net Charge-Offs / Loans | 0.89% | 0.80% | 0.84% | 0.41% | 0.59% | 0.20% | 0.20% | 0.15% | -26 bps | |
| Allowance / Loans | 1.18% | 1.35% | 1.50% | 2.05% | 2.15% | 2.02% | 2.03% | 2.00% | -5 bps | |
| Allowance Coverage of NPLs | 1.8x | 2.2x | 2.9x | 37.2x | 57.0x | 81.8x | 81.0x | 96.9x | +59.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.75% | 11.82% | 10.57% | 9.46% | 9.26% | 9.54% | 9.91% | 9.57% | +11 bps | |
| Total Risk-Based Capital | 16.63% | 16.30% | 16.23% | 16.69% | 16.50% | 16.60% | 16.67% | 16.73% | +4 bps | |
| Equity / Assets | 12.54% | 12.51% | 10.51% | 9.76% | 10.00% | 9.79% | 10.26% | 9.76% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.20% | 88.85% | 80.66% | 71.23% | 73.03% | 71.49% | 71.51% | 66.09% | -514 bps | |
| Liquid Assets / Assets | 11.72% | 12.27% | 19.75% | 26.98% | 27.08% | 28.50% | 28.60% | 33.27% | +629 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |