Fairbanks, AK · Charter 66217
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Fairbanks, AK · Charter 66217
Q4 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.27% | 0.27% | 0.27% | -0.01% | -0.10% | -0.85% | -1.60% | -187 bps | |
| Return on Equity | 9.03% | 3.61% | 3.53% | 3.85% | -0.13% | -1.40% | -12.98% | -29.24% | -3,308 bps | |
| Net Interest Margin | 4.32% | 4.46% | 4.38% | 4.01% | 4.04% | 3.98% | 4.08% | 3.56% | -45 bps | |
| Efficiency Ratio | 84.08% | 90.34% | 90.44% | 89.99% | 94.94% | 96.60% | 91.00% | 105.01% | +1,502 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.25% | 18.82% | 10.36% | 23.66% | 4.08% | 5.78% | 5.34% | -0.87% | -2,453 bps | |
| Loan Growth (YoY) | 27.93% | 19.24% | 9.82% | -1.36% | -6.08% | -10.70% | -13.55% | -19.82% | -1,846 bps | |
| Share Growth (YoY) | 13.54% | 19.33% | 10.14% | 25.82% | 4.31% | 6.69% | 7.08% | 1.21% | -2,461 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 1.26% | 1.62% | 0.91% | 2.36% | 1.74% | 3.19% | 3.55% | +264 bps | |
| 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 | 0.97% | 0.83% | 0.86% | 0.81% | 0.86% | 0.44% | 2.04% | 2.31% | +150 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.43% | 7.54% | 7.52% | 7.02% | 7.41% | 7.23% | 6.58% | 5.48% | -154 bps | |
| Net Worth / Assets | 7.43% | 7.54% | 7.52% | 7.02% | 7.41% | 7.23% | 6.58% | 5.48% | -154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.60% | 67.97% | 66.85% | 59.30% | 59.97% | 56.90% | 53.97% | 46.97% | -1,232 bps | |
| Liquid Assets / Assets | 26.62% | 25.89% | 26.03% | 33.50% | 36.54% | 32.92% | 40.12% | 47.98% | +1,447 bps | |