Upton, WY · Cert 522
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Upton, WY · Cert 522
FDIC
Q3 2006
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 3.95% | 0.03% | 0.27% | 0.44% | 2.62% | 2.56% | 2.13% | +186 bps | |
| Return on Equity | 10.91% | 38.05% | 0.18% | 1.66% | 2.82% | 18.26% | 17.02% | 13.91% | +1,225 bps | |
| Net Interest Margin | 3.34% | 5.22% | 0.15% | 1.44% | 1.70% | 4.44% | 4.34% | 4.30% | +286 bps | |
| Efficiency Ratio | 69.70% | 43.98% | 84.21% | 47.11% | 58.62% | 45.24% | 46.66% | 54.11% | +701 bps | |
| Non-Interest Burden | 2.21% | 1.95% | 0.13% | 0.39% | 0.79% | 1.91% | 1.79% | 2.16% | +177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.75% | 2.08% | 14.94% | 17.59% | 82.73% | 92.64% | 63.68% | 53.32% | +3,573 bps | |
| Loan Growth (YoY) | -8.39% | -11.56% | -5.54% | 139.80% | 246% | 246% | 152.98% | -6.83% | -14,663 bps | |
| Deposit Growth (YoY) | 6.34% | 4.80% | 4.45% | 8.21% | 78.86% | 84.89% | 74.22% | 65.09% | +5,688 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 | -0.04% | -2.77% | -1.93% | -0.56% | -0.50% | -0.03% | -0.01% | -0.01% | +56 bps | |
| Allowance / Loans | 2.20% | 2.18% | 2.17% | 1.24% | 1.05% | 1.06% | 1.41% | 1.68% | +44 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 | 24.39% | 27.09% | 55.21% | 29.19% | 12.55% | 17.35% | 24.90% | 27.75% | -144 bps | |
| Equity / Assets | 10.33% | 10.42% | 20.43% | 22.55% | 14.31% | 14.44% | 16.38% | 16.10% | -645 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.33% | 33.68% | 35.94% | 75.42% | 64.43% | 63.07% | 52.18% | 42.56% | -3,286 bps | |
| Liquid Assets / Assets | 4.82% | 6.47% | 5.20% | 8.59% | 2.58% | 0.00% | 0.00% | 0.00% | -859 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |