Anchorage, AK · Cert 57755
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 12.90% | 11.97% | 12.64% | 14.37% | 12.33% | -58 bps | |
| Return on Equity | 13.67% | 12.91% | 13.79% | 15.89% | 13.88% | +21 bps | |
| Net Interest Margin | 0.16% | 0.29% | 0.28% | 0.14% | 0.32% | +16 bps | |
| Efficiency Ratio | 44.16% | 45.18% | 43.41% | 39.45% | 40.90% | -326 bps | |
| Non-Interest Burden | -20.44% | -17.94% | -19.48% | -22.39% | -19.02% | +143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 469% | 463% | 458% | 451% | 442% | -2,676 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |