Juneau, AK · Cert 29849
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Juneau, AK · Cert 29849
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.23% | 0.39% | 0.38% | 0.39% | 0.39% | 0.52% | -1.85% | -224 bps | |
| Return on Equity | n/a | n/a | n/a | 3.28% | 3.33% | 3.38% | 4.48% | -18.10% | -2,138 bps | |
| Net Interest Margin | 4.61% | 4.47% | 4.41% | 4.33% | 4.51% | 4.38% | 4.42% | 4.43% | +11 bps | |
| Efficiency Ratio | 92.94% | 91.17% | 88.47% | 87.22% | 87.53% | 83.87% | 83.60% | 150.74% | +6,352 bps | |
| Non-Interest Burden | 4.23% | 4.00% | 3.79% | 3.60% | 3.79% | 3.47% | 3.49% | 7.55% | +395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.52% | 1.72% | 5.42% | 4.68% | -0.18% | 1.93% | -2.42% | -4.20% | -888 bps | |
| Loan Growth (YoY) | 4.47% | 4.78% | 3.24% | -0.29% | -0.93% | -0.35% | -3.39% | -5.28% | -499 bps | |
| Deposit Growth (YoY) | 3.08% | 1.89% | 6.30% | 7.96% | 1.49% | 4.13% | -0.70% | -1.74% | -970 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 | 0.26% | 0.22% | 0.19% | 0.00% | 0.00% | 0.10% | 0.10% | 0.01% | +1 bps | |
| Allowance / Loans | 1.21% | 1.23% | 1.24% | 1.30% | 1.32% | 1.29% | 1.30% | 1.35% | +5 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 | 15.95% | 15.88% | 16.17% | 15.84% | 15.96% | 15.73% | 15.89% | 12.13% | -371 bps | |
| Equity / Assets | 11.51% | 11.42% | 11.49% | 11.87% | 11.74% | 11.40% | 11.56% | 8.83% | -304 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.77% | 97.41% | 96.78% | 97.53% | 97.39% | 93.22% | 94.16% | 94.02% | -351 bps | |
| Liquid Assets / Assets | 4.82% | 8.19% | 8.92% | 5.40% | 5.84% | 9.91% | 9.52% | 6.60% | +120 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |