Jackson, WY · Cert 520
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Jackson, WY · Cert 520
FDIC
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.32% | 3.20% | 3.34% | 3.39% | 3.41% | 3.60% | 3.45% | 0.87% | -252 bps | |
| Return on Equity | 41.74% | 37.16% | 38.90% | 40.33% | 40.67% | 42.69% | 41.05% | 6.64% | -3,369 bps | |
| Net Interest Margin | 3.94% | 4.23% | 4.22% | 4.10% | 3.92% | 4.33% | 4.34% | 1.41% | -269 bps | |
| Efficiency Ratio | 29.28% | 30.26% | 29.06% | 28.36% | 28.13% | 26.26% | 27.33% | 23.11% | -525 bps | |
| Non-Interest Burden | 0.80% | 0.96% | 0.88% | 0.82% | 0.78% | 0.81% | 0.86% | 0.36% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.65% | 9.25% | 15.22% | 23.58% | 21.77% | 20.35% | 19.25% | 39.81% | +1,623 bps | |
| Loan Growth (YoY) | 16.56% | 13.00% | 15.89% | 16.73% | 25.93% | 26.94% | 28.62% | 21.37% | +464 bps | |
| Deposit Growth (YoY) | 5.17% | 6.57% | 16.01% | 23.06% | 25.93% | 19.54% | 5.69% | 1.83% | -2,122 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% | 0.00% | 0.01% | 0.00% | 0.00% | 0.08% | 0.00% | -1 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.20% | 1.14% | 1.08% | 1.08% | 0.95% | 1.07% | -7 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 | 10.96% | 11.06% | 10.72% | 10.04% | 10.13% | 10.39% | 10.00% | 10.77% | +73 bps | |
| Equity / Assets | 8.59% | 8.64% | 8.52% | 7.95% | 8.29% | 8.58% | 8.36% | 23.46% | +1,552 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.73% | 93.55% | 93.14% | 89.88% | 95.73% | 99.34% | 113.34% | 107.12% | +1,724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |