Anchorage, AK · Cert 59322
FDIC
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.99% | -11.20% | -9.68% | -10.10% | -9.22% | -224 bps | |
| Return on Equity | -7.01% | -11.74% | -10.58% | -11.17% | -10.26% | -325 bps | |
| Net Interest Margin | 0.00% | 5.28% | 3.82% | 4.21% | 4.32% | +432 bps | |
| Efficiency Ratio | 458% | 337% | 291% | 258% | 227% | -23,147 bps | |
| Non-Interest Burden | 6.99% | 16.90% | 13.50% | 14.34% | 13.62% | +663 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 |