Butte, MT · Charter 11428
Q2 2000
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 3.82% | 3.92% | 3.56% | 3.60% | 2.99% | 0.65% | 1.49% | -207 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.54% | 5.38% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 85.92% | 72.62% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.18% | 0.51% | -1.16% | -6.73% | -12.33% | -10.47% | -10.08% | -14.52% | -779 bps | |
| Loan Growth (YoY) | 16.04% | 20.12% | 14.46% | -20.27% | -24.44% | -37.02% | -36.79% | -13.25% | +702 bps | |
| Share Growth (YoY) | -3.56% | 3.92% | -4.81% | -11.09% | -17.87% | -14.83% | -14.44% | -21.04% | -995 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 2.46% | 3.72% | 8.55% | 9.86% | 6.14% | 7.50% | 8.43% | -12 bps | |
| 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 | 1.31% | 1.15% | 1.17% | 1.52% | 1.74% | 1.82% | 1.85% | 1.75% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.75% | 117.06% | 115.17% | 94.22% | 91.77% | 86.56% | 85.08% | 103.51% | +929 bps | |
| Liquid Assets / Assets | 16.76% | 8.90% | 4.79% | 20.67% | 28.62% | 25.24% | 0.00% | 0.00% | -2,067 bps | |