PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Yellowstone Bank Columbus Mt

Columbus, MT · Cert 1111

FDIC

Q3 1996

$39.3MAssets
$15.3MLoans
$26.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.89%, up 27 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 57.18% of deposits as of Q3 1996.

Return on Assets (YTD, annualized)

1.89%+27 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets1.33%1.72%1.73%1.62%1.41%1.90%1.80%1.89%+27 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/a-1.11%-1.19%3.62%7.62%20.62%20.99%14.67%+1,105 bps
Loan Growth (YoY)n/a1.60%6.39%13.53%12.02%24.74%22.16%16.38%+285 bps
Deposit Growth (YoY)n/a-5.96%-4.67%-2.05%10.13%8.30%9.76%6.45%+851 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits47.51%52.02%55.98%52.30%48.32%59.92%62.30%57.18%+488 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