Helena, MT · Charter 1326
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Helena, MT · Charter 1326
Q3 2001
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 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.65% | 0.56% | 0.73% | 0.98% | 0.55% | 0.35% | 0.33% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 8.15% | 4.82% | 3.15% | 3.04% | n/a | |
| Net Interest Margin | 4.05% | 3.98% | 3.90% | 3.97% | 3.88% | 3.79% | 3.67% | 3.74% | -22 bps | |
| Efficiency Ratio | 79.78% | 81.74% | 83.06% | 78.89% | 78.97% | 79.97% | 81.28% | 78.76% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.37% | 5.00% | 5.42% | 3.30% | 7.35% | 8.78% | 12.14% | 13.97% | +1,067 bps | |
| Loan Growth (YoY) | 13.30% | 21.48% | 22.89% | 17.31% | 13.06% | 8.85% | 8.57% | 7.51% | -981 bps | |
| Share Growth (YoY) | 4.45% | 4.58% | 4.42% | 2.17% | 6.77% | 8.82% | 13.73% | 15.83% | +1,366 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.82% | 0.82% | 0.73% | 0.82% | 0.94% | 0.69% | 0.94% | +21 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 | 0.56% | 0.56% | 0.52% | 0.48% | 0.50% | 0.49% | 0.40% | 0.51% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.02% | 11.46% | 11.05% | 10.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.02% | 11.46% | 11.05% | 10.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.70% | 89.35% | 92.62% | 94.15% | 91.81% | 89.37% | 88.42% | 87.38% | -677 bps | |
| Liquid Assets / Assets | 14.91% | 13.26% | 11.24% | 9.70% | 10.95% | 14.47% | 14.48% | 15.35% | +565 bps | |