PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tri-County National Bank

Cheyenne, WY · Cert 29608

FDIC

Q4 2013

$61.3MAssets
$45.5MLoans
$53.9MDeposits
$6.7MEquity
Loan mix
75%RE $28.4M23%C&I $8.6M2%Consumer $0.7MQ1 2012Q4 2013
Deposit mix
88%Interest-bearing $47.5M12%Noninterest $6.4MQ1 2012Q4 2013

Executive Summary

  • Earnings: ROA of 0.65%, down 36 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 84.42% of deposits as of Q4 2013.

Return on Assets (quarter, annualized)

0.65%-36 bps YoY

Net Interest Margin (quarter, annualized)

3.17%-79 bps YoY

Efficiency Ratio (quarter, annualized)

76.91%+1,120 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.16%Q4 ’114.72%Q4 ’123.96%Q4 ’13+1%-20%

Non-interest income vs. expense

3.06%Q4 ’113.42%Q4 ’123.03%Q4 ’13-8%+4%

Discrete quarter, annualized.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.85%0.92%1.18%1.01%0.67%1.08%0.76%0.65%-36 bps
Return on Equity7.72%8.20%10.25%8.97%6.06%10.03%7.38%6.24%-272 bps
Net Interest Margin3.78%4.04%4.23%3.96%3.75%3.75%3.41%3.17%-79 bps
Efficiency Ratio66.51%67.11%60.90%65.71%72.56%61.62%69.17%76.91%+1,120 bps
Non-Interest Burden2.26%2.42%2.21%2.18%2.52%1.90%2.12%2.26%+8 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.05%-0.01%0.00%0.00%0.00%0.18%+18 bps
Allowance / Loans1.46%1.56%1.57%1.59%1.71%1.74%1.85%1.85%+27 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital16.96%17.09%16.15%16.23%16.96%16.64%17.05%17.24%+100 bps
Equity / Assets10.92%11.50%11.50%11.13%11.08%10.55%10.04%10.95%-18 bps
Liquidity & Funding
Loans / Deposits100.99%97.75%98.39%97.37%91.04%92.83%83.97%84.42%-1,295 bps
Liquid Assets / Assets11.18%8.23%7.38%6.40%10.71%12.39%19.55%14.34%+794 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a