Lusk, WY · Cert 8724
FDIC · 1 branch
Q1 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.91% | 1.38% | 0.91% | 0.72% | 0.18%1 | 1.56% | 2.37% | 1.55% | +84 bps | |
| Return on Equity | 23.51% | 11.00% | 7.43% | 6.33% | 1.47% | 11.32% | 17.48% | 11.57% | +523 bps | |
| Net Interest Margin | 4.81% | 2.90% | 2.41% | 2.44% | -1.12% | 3.65% | 4.56% | 4.36% | +192 bps | |
| Efficiency Ratio | 43.49% | 62.13% | 68.39% | 69.79% | 49.82% | 46.24% | 36.54% | 50.46% | -1,933 bps | |
| Non-Interest Burden | 1.69% | 1.51% | 1.44% | 1.49% | -0.95% | 1.43% | 1.25% | 2.05% | +56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.52% | 6.79% | 6.02% | 6.15% | 10.00% | 7.88% | 7.68% | 9.09% | +294 bps | |
| Loan Growth (YoY) | -7.44% | -14.57% | -10.11% | -5.49% | 18.15% | 51.04% | 51.27% | 46.73% | +5,222 bps | |
| Deposit Growth (YoY) | 4.78% | 7.44% | 7.13% | 8.07% | 8.49% | 6.04% | 3.02% | 5.53% | -254 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.18% | 1.87% | 2.56% | 0.00% | 0.00% | 0.00% | 1.24% | -131 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.59% | 1.68% | 1.85% | 1.76% | 0.02% | 0.06% | 0.11% | 0.76% | -100 bps | |
| Allowance Coverage of NPLs | 5.0x | 9.2x | 1.0x | 0.7x | n/a | n/a | n/a | 0.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.09% | 12.48% | 12.10% | 11.75% | 10.88% | 11.01% | 11.26% | 11.51% | -24 bps | |
| Total Risk-Based Capital | 12.09% | 12.48% | 12.10% | 11.75% | 10.88% | 11.01% | 11.26% | 11.51% | -24 bps | |
| Equity / Assets | 12.70% | 12.35% | 12.05% | 10.57% | 13.78% | 13.73% | 13.41% | 13.42% | +285 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.69% | 51.39% | 45.22% | 46.57% | 61.74% | 73.20% | 66.40% | 64.75% | +1,818 bps | |
| Liquid Assets / Assets | 8.99% | 8.61% | 17.21% | 21.61% | 19.81% | 13.63% | 26.01% | 17.89% | -372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |