Anchorage, AK · Cert 91385
FDIC
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Anchorage, AK · Cert 91385
FDIC
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.47% | 2.97% | 3.59% | 3.96% | 4.00% | 3.60% | 4.09% | 3.44% | -52 bps | |
| Return on Equity | 2.51% | 3.01% | 3.62% | 4.00% | 4.03% | 3.63% | 4.12% | 3.46% | -54 bps | |
| Net Interest Margin | 0.02% | 0.02% | 0.00% | 0.01% | 0.02% | 0.02% | 0.00% | 0.01% | 0 bps | |
| Efficiency Ratio | 32.88% | 29.76% | 27.94% | 24.58% | 25.20% | 27.50% | 22.58% | 24.53% | -5 bps | |
| Non-Interest Burden | -3.98% | -4.75% | -5.83% | -6.38% | -6.40% | -5.72% | -6.60% | -5.49% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.33% | 1.80% | 2.62% | 4.53% | 3.96% | 4.10% | 3.60% | 2.51% | -202 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 468% | 467% | 465% | 468% | 466% | 458% | 465% | 472% | +469 bps | |
| Equity / Assets | 99.04% | 99.45% | 99.02% | 98.90% | 99.29% | 99.07% | 99.24% | 99.78% | +87 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 |