Anchorage, AK · Cert 59322
FDIC
Q3 2023
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.69% | -5.35% | -9.68% | -9.87% | -9.68% | -598 bps | |
| Return on Equity | -3.71% | -5.84% | -10.58% | -10.87% | -10.67% | -696 bps | |
| Net Interest Margin | 0.00% | 1.32% | 3.82% | 4.05% | 4.21% | +421 bps | |
| Efficiency Ratio | 634% | 426% | 291% | 273% | 255% | -37,894 bps | |
| Non-Interest Burden | 3.67% | 7.02% | 13.50% | 14.05% | 14.15% | +1,048 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 0.66% | -1.01% | n/a | |
| 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 | 98.82% | 97.51% | 90.27% | 89.44% | 89.43% | -939 bps | |
| Total Risk-Based Capital | 99.58% | 97.51% | 90.27% | 89.44% | 89.43% | -1,015 bps | |
| Equity / Assets | 99.58% | 91.57% | 91.33% | 89.54% | 90.18% | -939 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 |