PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wyoming Bank and Trust Company, National Association

Buffalo, WY · Cert 8717

FDIC

Q1 2003

$32.8MAssets
$28.0MLoans
$28.8MDeposits
$3.8MEquity
Loan mix
58%RE $4.5M41%C&I $3.2M1%Consumer $0.1MQ2 2001Q1 2003
Deposit mix
89%Interest-bearing $25.5M11%Noninterest $3.3MQ2 2001Q1 2003

Executive Summary

  • Earnings: ROA of 2.44%, up 364 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 97.43% of deposits as of Q1 2003.

Return on Assets (YTD, annualized)

2.44%+364 bps YoY

Net Interest Margin (YTD, annualized)

5.23%+94 bps YoY

Efficiency Ratio (YTD, annualized)

58.99%-730 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

8.34%Q1 ’017.39%Q1 ’026.89%Q1 ’03+8%+22%

Non-interest income vs. expense

2.94%Q1 ’013.14%Q1 ’023.49%Q1 ’03+12%+4%

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets1.08%1.16%1.13%-1.20%0.59%1.25%1.36%2.44%+364 bps
Return on Equityn/an/an/a-15.12%7.05%14.15%14.78%22.07%+3,719 bps
Net Interest Margin4.19%4.35%4.07%4.29%4.58%5.03%5.23%5.23%+94 bps
Efficiency Ratio64.44%63.57%64.45%66.29%61.99%58.53%56.55%58.99%-730 bps
Non-Interest Burden2.53%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 / Loans0.00%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 / Loans2.02%1.90%1.81%1.79%1.72%1.86%1.95%1.95%+16 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.18%11.15%10.29%10.11%11.59%12.50%13.58%15.21%+509 bps
Equity / Assets8.60%8.98%7.87%8.00%9.30%10.33%10.60%11.50%+350 bps
Liquidity & Funding
Loans / Deposits97.91%96.37%89.83%95.16%98.02%104.08%94.69%97.43%+226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a