Torrington, WY · Cert 530
FDIC
Q2 2005
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.19% | 1.33% | 1.25% | 1.24% | 1.25% | 0.24% | -0.21% | -146 bps | |
| Return on Equity | 17.30% | 16.27% | 17.55% | 16.66% | 16.39% | 16.52% | 3.05% | -2.51% | -1,917 bps | |
| Net Interest Margin | 3.66% | 3.52% | 4.05% | 3.95% | 3.80% | 3.75% | 4.01% | 3.96% | +1 bps | |
| Efficiency Ratio | 56.22% | 57.22% | 50.66% | 53.31% | 52.59% | 52.52% | 51.99% | 54.40% | +109 bps | |
| Non-Interest Burden | 1.86% | 1.83% | 1.84% | 1.90% | 1.79% | 1.77% | 1.91% | 1.97% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.42% | 26.92% | 23.96% | 22.57% | 18.12% | 14.13% | 12.85% | 1.77% | -2,080 bps | |
| Loan Growth (YoY) | 39.29% | 34.53% | 28.56% | 26.68% | 20.35% | 12.75% | 6.84% | -4.46% | -3,114 bps | |
| Deposit Growth (YoY) | 21.97% | 22.92% | 22.74% | 24.80% | 16.25% | 18.65% | 14.67% | 7.04% | -1,777 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% | 0.03% | 0.02% | 0.01% | 0.01% | 0.32% | 1.05% | 1.90% | +188 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.31% | 1.30% | 1.41% | 1.20% | 1.54% | 1.81% | +51 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 | 9.66% | 10.02% | 10.13% | 9.84% | 10.21% | 10.04% | 11.32% | 11.93% | +209 bps | |
| Equity / Assets | 7.06% | 7.48% | 7.66% | 7.36% | 7.73% | 7.58% | 8.26% | 8.89% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.61% | 106.83% | 106.07% | 111.66% | 107.27% | 101.52% | 98.82% | 99.66% | -1,200 bps | |
| Liquid Assets / Assets | 0.23% | 0.21% | 0.21% | 0.20% | 0.20% | 0.06% | 2.57% | 0.06% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |