Cheyenne, WY · Cert 25154
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.07% | 1.30% | 1.43% | 1.36% | 1.29% | 1.30% | 1.35% | -9 bps | |
| Return on Equity | 14.34% | 11.40% | 13.57% | 14.73% | 13.89% | 12.85% | 12.69% | 12.90% | -183 bps | |
| Net Interest Margin | 4.00% | 4.15% | 4.14% | 4.34% | 4.33% | 4.13% | 4.21% | 3.97% | -37 bps | |
| Efficiency Ratio | 55.41% | 56.60% | 56.22% | 50.05% | 52.20% | 54.27% | 55.01% | 51.47% | +142 bps | |
| Non-Interest Burden | 2.04% | 2.18% | 2.13% | 1.97% | 2.17% | 2.15% | 2.22% | 1.94% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.57% | 3.58% | 4.61% | 2.16% | 4.81% | 2.88% | 2.86% | 3.05% | +89 bps | |
| Loan Growth (YoY) | 15.46% | 8.77% | 6.05% | 7.45% | 5.02% | -2.42% | -9.84% | -10.81% | -1,827 bps | |
| Deposit Growth (YoY) | 10.21% | 2.68% | 3.63% | 1.13% | 4.05% | 2.03% | 2.00% | 2.26% | +113 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 | 0.03% | 0.00% | 0.00% | 0.00% | 0.01% | 0.25% | 0.19% | 0.05% | +5 bps | |
| Allowance / Loans | 1.41% | 1.43% | 1.40% | 1.48% | 1.48% | 1.49% | 1.53% | 1.55% | +7 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 | 17.48% | 17.46% | 17.70% | 18.06% | 16.82% | 17.12% | 18.37% | 19.46% | +140 bps | |
| Equity / Assets | 9.27% | 9.42% | 9.69% | 9.73% | 9.93% | 10.08% | 10.35% | 10.50% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.99% | 69.11% | 70.64% | 69.02% | 68.63% | 66.09% | 62.44% | 60.19% | -882 bps | |
| Liquid Assets / Assets | 30.00% | 28.26% | 27.07% | 25.66% | 28.62% | 33.52% | 34.93% | 40.50% | +1,483 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |