Anchorage, AK · Cert 27311
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Anchorage, AK · Cert 27311
FDIC
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.38% | 0.02% | 0.18% | 0.36% | 0.70% | 1.03% | 0.83% | +65 bps | |
| Return on Equity | 9.40% | 3.97% | 0.24% | 1.86% | 3.61% | 6.65% | 9.65% | 7.55% | +569 bps | |
| Net Interest Margin | 3.44% | 3.44% | 3.43% | 3.45% | 3.38% | 3.64% | 3.55% | 3.66% | +22 bps | |
| Efficiency Ratio | 87.07% | 90.27% | 95.13% | 92.98% | 91.52% | 85.22% | 79.34% | 82.93% | -1,005 bps | |
| Non-Interest Burden | 2.61% | 2.79% | 3.10% | 2.97% | 2.83% | 2.56% | 2.05% | 2.42% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.79% | -16.11% | -15.34% | -4.98% | -9.64% | 1.28% | 5.27% | -7.58% | -260 bps | |
| Loan Growth (YoY) | -12.11% | -11.87% | -18.38% | -16.70% | -9.28% | -5.37% | -3.12% | 5.66% | +2,236 bps | |
| Deposit Growth (YoY) | 1.66% | -12.31% | -11.23% | -4.10% | -8.41% | 0.19% | 4.39% | -8.74% | -464 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 | 0.05% | -0.06% | 1.66% | 1.53% | 1.13% | 0.20% | 0.20% | 0.14% | -139 bps | |
| Allowance / Loans | 2.20% | 2.31% | 2.15% | 2.04% | 1.79% | 1.75% | 1.79% | 1.83% | -21 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 | 21.17% | 22.76% | 24.41% | 25.38% | 25.06% | 24.95% | 26.41% | 27.97% | +260 bps | |
| Equity / Assets | 9.22% | 9.93% | 9.90% | 9.72% | 10.70% | 10.51% | 10.80% | 11.87% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 29.38% | 30.53% | 29.46% | 25.89% | 29.10% | 28.84% | 27.34% | 29.97% | +409 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 |