Worland, WY · Cert 8726
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.42% | 1.40% | -0.91% | 1.79% | 2.03% | 2.59% | 1.44% | +236 bps | |
| Return on Equity | 15.60% | 16.05% | 15.96% | -10.95% | 22.05% | 26.04% | 31.41% | 17.23% | +2,819 bps | |
| Net Interest Margin | 4.58% | 4.66% | 4.16% | 4.52% | 4.71% | 4.70% | 4.13% | 3.98% | -54 bps | |
| Efficiency Ratio | 57.67% | 55.21% | 58.84% | 58.57% | 56.71% | 57.26% | 65.06% | 73.94% | +1,537 bps | |
| Non-Interest Burden | 2.42% | 2.34% | 2.24% | 2.44% | 2.35% | 2.37% | 2.48% | 2.79% | +35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.48% | -7.21% | -3.68% | -4.88% | -6.50% | -0.21% | -6.78% | -0.33% | +455 bps | |
| Loan Growth (YoY) | 0.19% | -10.02% | -4.45% | -13.99% | -16.85% | -15.30% | -23.03% | -13.97% | +2 bps | |
| Deposit Growth (YoY) | -1.43% | -5.97% | -3.12% | -6.59% | -6.16% | -0.01% | -12.08% | 1.71% | +830 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 | 0.07% | -0.03% | -0.25% | -0.08% | 0.24% | -0.07% | 0.11% | 0.04% | +11 bps | |
| Allowance / Loans | 1.81% | 2.04% | 2.07% | 2.35% | 2.22% | 2.54% | 2.75% | 2.72% | +38 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 | 11.96% | 13.21% | 12.04% | 11.78% | 10.36% | 10.88% | 13.85% | 14.16% | +239 bps | |
| Equity / Assets | 8.45% | 9.26% | 8.29% | 8.39% | 7.83% | 7.76% | 8.72% | 8.04% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.58% | 73.18% | 69.60% | 67.96% | 67.86% | 62.00% | 60.93% | 57.48% | -1,048 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 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 |