Anchorage, AK · Cert 57755
FDIC
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Anchorage, AK · Cert 57755
FDIC
Q3 2010
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 16.63% | 9.61% | 10.95% | 11.60% | 11.69% | 12.64% | 13.51% | 13.09% | +149 bps | |
| Return on Equity | 17.31% | 10.08% | 11.48% | 12.23% | 12.40% | 13.79% | 14.85% | 14.52% | +229 bps | |
| Net Interest Margin | 1.24% | 0.25% | 0.25% | 0.21% | 0.22% | 0.28% | 0.20% | 0.23% | +3 bps | |
| Efficiency Ratio | 41.76% | 54.86% | 50.65% | 48.33% | 47.51% | 43.41% | 41.32% | 41.18% | -714 bps | |
| Non-Interest Burden | -22.59% | -14.62% | -16.93% | -17.52% | -16.72% | -19.48% | -20.49% | -19.27% | -175 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.66% | 16.20% | 18.22% | 15.38% | 15.03% | 21.64% | 22.59% | 22.06% | +669 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 472% | 489% | 481% | 469% | 463% | 458% | 451% | 442% | -2,676 bps | |
| Equity / Assets | 93.59% | 97.20% | 95.44% | 93.40% | 92.08% | 91.29% | 89.61% | 88.12% | -528 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 |