Rock Springs, WY · Cert 58369
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Rock Springs, WY · Cert 58369
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.20% | 0.08%1 | 0.32%1 | 0.52%1 | 0.58% | 0.83% | 0.80% | +48 bps | |
| Return on Equity | 0.70% | 1.24% | 0.65% | 2.58% | 4.34% | 5.05% | 8.07% | 7.60% | +502 bps | |
| Net Interest Margin | 3.44% | 3.26% | 3.63% | 3.54% | 3.46% | 3.33% | 3.45% | 3.62% | +8 bps | |
| Efficiency Ratio | 94.44% | 88.28% | 88.62% | 82.92% | 78.20% | 75.64% | 63.76% | 69.22% | -1,371 bps | |
| Non-Interest Burden | 3.25% | 2.87% | 3.21% | 2.93% | 2.70% | 2.51% | 2.19% | 2.50% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 197.98% | 87.82% | 56.49% | 53.00% | 22.57% | 32.67% | 34.48% | 13.13% | -3,988 bps | |
| Loan Growth (YoY) | 209% | 118.64% | 92.19% | 56.88% | 34.95% | 39.75% | 24.03% | 12.91% | -4,397 bps | |
| Deposit Growth (YoY) | 286% | 113.59% | 69.22% | 65.65% | 25.33% | 36.92% | 38.79% | 13.39% | -5,226 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.91% | 1.34% | 1.27% | 1.16% | 1.14% | 1.26% | 1.31% | +4 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 | 18.58% | 18.01% | 17.86% | 16.28% | 15.15% | 14.73% | 13.23% | 13.38% | -290 bps | |
| Equity / Assets | 12.74% | 13.01% | 12.82% | 11.44% | 10.72% | 10.37% | 10.16% | 11.21% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.37% | 77.19% | 77.82% | 73.39% | 76.85% | 78.79% | 69.54% | 73.08% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 8.58% | 1.96% | +196 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |