PackageTrendsPeer
Letter portraitLegal landscape

Wells Fargo Bank Montana, National Association

Billings, MT · Cert 16309

FDIC

Q3 2003

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2003, the quarter ended September 30, 2003, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Wells Fargo Bank Montana, National Association

Billings, MT · Cert 16309

FDIC

Q3 2003

$1.6BAssets
$700.5MLoans
$1.3BDeposits
$100.0MEquity
Loan mix
67%RE $202.7M30%C&I $90.4M2%Consumer $7.5MQ3 2002Q3 2003
Deposit mix
73%Interest-bearing $971.4M27%Noninterest $350.9MQ3 2002Q3 2003

NIM

6.39%Q3 ’014.88%Q3 ’023.66%Q3 ’03-2%-22%

Non-interest income vs. expense

4.40%Q3 ’014.47%Q3 ’024.23%Q3 ’03+7%-12%

Executive Summary

  • Earnings: ROA of 0.60%, down 46 bps year over year; NIM at 2.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.20%.
  • Funding: loans stand at 52.97% of deposits as of Q3 2003.

Financial Results

Return on Assets (YTD, annualized)

0.60%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.92%-84 bps YoY

Efficiency Ratio (YTD, annualized)

82.18%+708 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2002Q4 2002Q1 2003Q2 2003Q3 2003YoY ΔTrend
Earnings
Return on Assets1.05%0.87%0.72%0.66%0.60%-46 bps
Return on Equity14.59%12.33%10.69%9.80%9.11%-549 bps
Net Interest Margin3.76%3.52%3.13%3.00%2.92%-84 bps
Efficiency Ratio75.10%74.75%79.83%80.53%82.18%+708 bps
Non-Interest Burden2.28%2.11%2.06%1.99%2.01%-28 bps
Growth
Asset Growth (YoY)-1.69%3.17%5.19%5.74%3.36%+505 bps
Loan Growth (YoY)-4.25%-4.21%-8.66%-11.87%-17.12%-1,288 bps
Deposit Growth (YoY)-1.67%0.72%2.46%4.37%4.63%+630 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.58%0.18%0.20%0.20%+5 bps
Allowance / Loans1.21%1.23%1.27%1.33%1.41%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.52%11.10%11.97%12.34%12.17%-35 bps
Equity / Assets7.59%6.55%6.82%6.70%6.17%-142 bps
Liquidity & Funding
Loans / Deposits66.88%63.07%59.95%57.29%52.97%-1,390 bps
Liquid Assets / Assets3.63%3.62%4.41%5.05%1.27%-236 bps
CRE / Total Capitaln/an/an/an/an/an/an/a