Juneau, AK · Cert 29849
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.18% | 0.39% | 0.86% | 0.38% | 0.40% | 0.40% | 0.89% | -1.85% | -224 bps | |
| Return on Equity | -1.53% | 3.43% | 7.53% | 3.28% | 3.38% | 3.47% | 7.79% | -18.10% | -2,138 bps | |
| Net Interest Margin | 4.59% | 4.60% | 4.46% | 4.33% | 4.60% | 4.49% | 4.43% | 4.43% | +11 bps | |
| Efficiency Ratio | 103.47% | 87.91% | 81.25% | 87.22% | 87.83% | 77.01% | 82.77% | 150.74% | +6,352 bps | |
| Non-Interest Burden | 4.77% | 3.92% | 3.36% | 3.60% | 3.90% | 3.14% | 3.46% | 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 | 0.43% | 0.13% | 0.10% | 0.00% | -0.01% | 0.31% | 0.09% | 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 |