Sheridan, WY · Cert 25048
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 2.16% | 1.99% | 1.98% | 1.49% | 4.32% | 1.36% | -4.10% | -608 bps | |
| Return on Equity | 25.99% | 29.55% | 27.79% | 27.68% | 20.16% | 54.75% | 16.75% | -23.63% | -5,131 bps | |
| Net Interest Margin | 3.20% | 3.48% | 2.99% | 2.96% | 3.00% | 2.90% | 2.98% | -1.62% | -458 bps | |
| Efficiency Ratio | 46.90% | 43.25% | 41.63% | 42.20% | 56.01% | 33.51% | 57.97% | 55.30% | +1,310 bps | |
| Non-Interest Burden | 1.23% | 1.25% | 0.96% | 0.95% | 1.47% | -0.91% | 1.53% | 1.24% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.68% | 13.67% | 22.88% | 22.30% | 18.72% | 21.10% | 11.44% | 24.83% | +253 bps | |
| Loan Growth (YoY) | 19.24% | 10.50% | 20.11% | 16.37% | 20.70% | 25.76% | 19.11% | 21.81% | +544 bps | |
| Deposit Growth (YoY) | 23.20% | 12.56% | 17.92% | 22.09% | 17.68% | 19.87% | 6.71% | 0.05% | -2,204 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 | 0.00% | 0.00% | 0.00% | -0.01% | 0.01% | -0.01% | 0.03% | -0.02% | -1 bps | |
| Allowance / Loans | 1.25% | 1.26% | 1.15% | 1.17% | 1.15% | 1.11% | 1.07% | 1.05% | -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 | 10.94% | 11.15% | 10.42% | 10.21% | 10.36% | 11.33% | 10.42% | 11.70% | +149 bps | |
| Equity / Assets | 7.22% | 7.40% | 6.96% | 7.34% | 7.45% | 8.33% | 7.96% | 25.48% | +1,814 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.80% | 57.69% | 62.56% | 59.19% | 59.28% | 60.53% | 69.83% | 72.06% | +1,287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 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 |