Cheyenne, WY · Cert 29608
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Cheyenne, WY · Cert 29608
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.89% | 0.98% | 0.99% | 0.67% | 0.88% | 0.84% | 0.80% | -19 bps | |
| Return on Equity | 7.72% | 7.97% | 8.73% | 8.80% | 6.06% | 8.06% | 7.82% | 7.42% | -138 bps | |
| Net Interest Margin | 3.78% | 3.93% | 4.03% | 3.96% | 3.75% | 3.70% | 3.49% | 3.39% | -57 bps | |
| Efficiency Ratio | 66.51% | 66.82% | 64.74% | 64.99% | 72.56% | 66.81% | 67.58% | 69.77% | +477 bps | |
| Non-Interest Burden | 2.26% | 2.35% | 2.31% | 2.24% | 2.52% | 2.18% | 2.09% | 2.12% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.13% | -0.26% | 1.63% | 5.86% | 4.45% | 12.88% | 17.49% | 5.08% | -78 bps | |
| Loan Growth (YoY) | 13.28% | 2.75% | 8.71% | 11.11% | 3.73% | 8.61% | 1.81% | -4.65% | -1,576 bps | |
| Deposit Growth (YoY) | 5.20% | 8.98% | 8.47% | 14.37% | 15.06% | 14.37% | 19.29% | 9.99% | -438 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 | -0.01% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.04% | +4 bps | |
| Allowance / Loans | 1.46% | 1.56% | 1.57% | 1.59% | 1.71% | 1.74% | 1.85% | 1.85% | +27 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 | 16.96% | 17.09% | 16.15% | 16.23% | 16.96% | 16.64% | 17.05% | 17.24% | +100 bps | |
| Equity / Assets | 10.92% | 11.50% | 11.50% | 11.13% | 11.08% | 10.55% | 10.04% | 10.95% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.99% | 97.75% | 98.39% | 97.37% | 91.04% | 92.83% | 83.97% | 84.42% | -1,295 bps | |
| Liquid Assets / Assets | 11.18% | 8.23% | 7.38% | 6.40% | 10.71% | 12.39% | 19.55% | 14.34% | +794 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |