Buffalo, WY · Cert 8717
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 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.
Buffalo, WY · Cert 8717
FDIC
Q1 2003
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 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.16% | 1.13% | -1.20% | 0.59% | 1.25% | 1.36% | 2.44% | +364 bps | |
| Return on Equity | n/a | n/a | n/a | -15.12% | 7.05% | 14.15% | 14.78% | 22.07% | +3,719 bps | |
| Net Interest Margin | 4.19% | 4.35% | 4.07% | 4.29% | 4.58% | 5.03% | 5.23% | 5.23% | +94 bps | |
| Efficiency Ratio | 64.44% | 63.57% | 64.45% | 66.29% | 61.99% | 58.53% | 56.55% | 58.99% | -730 bps | |
| Non-Interest Burden | 2.53% | 2.59% | 2.46% | 2.70% | 2.64% | 2.67% | 2.65% | 2.80% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.12% | -3.58% | -1.51% | -2.87% | -1.32% | -7.14% | -10.35% | -8.03% | -516 bps | |
| Loan Growth (YoY) | 11.64% | 9.41% | 10.69% | 5.58% | 2.92% | -0.89% | -8.38% | -9.55% | -1,513 bps | |
| Deposit Growth (YoY) | 4.80% | -5.96% | -0.68% | -2.77% | 2.80% | -8.23% | -13.08% | -11.65% | -889 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 | -0.49% | -0.20% | -0.07% | 0.19% | 0.09% | 0.09% | 0.30% | 0.07% | -12 bps | |
| Allowance / Loans | 2.02% | 1.90% | 1.81% | 1.79% | 1.72% | 1.86% | 1.95% | 1.95% | +16 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 | 11.18% | 11.15% | 10.29% | 10.11% | 11.59% | 12.50% | 13.58% | 15.21% | +509 bps | |
| Equity / Assets | 8.60% | 8.98% | 7.87% | 8.00% | 9.30% | 10.33% | 10.60% | 11.50% | +350 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.91% | 96.37% | 89.83% | 95.16% | 98.02% | 104.08% | 94.69% | 97.43% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |