Cheyenne, WY · Cert 31966
FDIC · 3 branches
Q1 2019
Market Position · Cheyenne, WY · 2018 SOD (annual) · 2.6% share · #10 of 18 inst. · $0.0B of $1.9B
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 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.29% | 1.27% | 1.37% | 1.33% | +18 bps | |
| Return on Equity | 12.25% | 13.45% | 12.97% | 13.90% | 13.10% | +85 bps | |
| Net Interest Margin | 3.33% | 3.39% | 3.53% | 3.60% | 3.73% | +40 bps | |
| Efficiency Ratio | 71.31% | 68.35% | 69.96% | 67.85% | 68.92% | -238 bps | |
| Non-Interest Burden | 2.19% | 2.08% | 2.23% | 2.21% | 2.35% | +17 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.70% | -2.54% | -10.77% | -8.82% | -3.00% | +169 bps | |
| Loan Growth (YoY) | 6.59% | -3.25% | -5.32% | 1.44% | -1.97% | -856 bps | |
| Deposit Growth (YoY) | -5.10% | -2.74% | -11.66% | -9.77% | -3.65% | +145 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.01% | -0.01% | -1 bps | |
| Allowance / Loans | 3.05% | 3.33% | 3.35% | 3.02% | 3.10% | +5 bps | |
| Allowance Coverage of NPLs | 1237.0x | n/a | 1236.0x | 1233.0x | n/a | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 10.07% | 10.15% | 10.25% | 10.38% | +66 bps | |
| Total Risk-Based Capital | 13.05% | 13.79% | 13.83% | 13.25% | 12.87% | -18 bps | |
| Equity / Assets | 9.64% | 10.02% | 10.37% | 10.14% | 10.21% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.94% | 59.54% | 62.20% | 66.30% | 64.04% | +110 bps | |
| Liquid Assets / Assets | 8.13% | 6.29% | 9.24% | 5.75% | 3.79% | -433 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |