Anchorage, AK · Cert 27311
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 | 0.75% | 0.38% | -0.35% | 0.50% | 0.89% | 0.70% | 1.34% | 0.40% | -10 bps | |
| Return on Equity | 8.11% | 3.97% | -3.56% | 5.14% | 8.70% | 6.65% | 12.59% | 3.54% | -160 bps | |
| Net Interest Margin | 3.47% | 3.44% | 3.31% | 3.53% | 3.57% | 3.64% | 3.69% | 3.77% | +24 bps | |
| Efficiency Ratio | 82.34% | 90.27% | 100.21% | 88.87% | 87.18% | 85.22% | 74.10% | 90.44% | +158 bps | |
| Non-Interest Burden | 2.34% | 2.79% | 3.33% | 2.76% | 2.73% | 2.56% | 1.69% | 3.10% | +34 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 | -0.11% | -0.06% | 3.37% | 1.04% | 0.32% | 0.20% | 0.18% | 0.03% | -101 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 |