Billings, MT · Cert 16309
FDIC
Q3 2003
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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.11% | 0.99% | 1.05% | 0.87% | 0.72% | 0.66% | 0.60% | -46 bps | |
| Return on Equity | n/a | 15.99% | 14.01% | 14.59% | 12.33% | 10.69% | 9.80% | 9.11% | -549 bps | |
| Net Interest Margin | 3.79% | 4.00% | 3.86% | 3.76% | 3.52% | 3.13% | 3.00% | 2.92% | -84 bps | |
| Efficiency Ratio | 70.73% | 74.80% | 76.00% | 75.10% | 74.75% | 79.83% | 80.53% | 82.18% | +708 bps | |
| Non-Interest Burden | 2.02% | 2.46% | 2.40% | 2.28% | 2.11% | 2.06% | 1.99% | 2.01% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -2.67% | -0.35% | -1.69% | 3.17% | 5.19% | 5.74% | 3.36% | +505 bps | |
| Loan Growth (YoY) | 0.51% | -1.13% | -3.40% | -4.25% | -4.21% | -8.66% | -11.87% | -17.12% | -1,288 bps | |
| Deposit Growth (YoY) | -0.82% | 1.72% | -1.45% | -1.67% | 0.72% | 2.46% | 4.37% | 4.63% | +630 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.17% | -0.18% | 0.08% | 0.14% | 0.58% | 0.18% | 0.20% | 0.20% | +5 bps | |
| Allowance / Loans | 1.18% | 1.20% | 1.21% | 1.21% | 1.23% | 1.27% | 1.33% | 1.41% | +21 bps | |
| 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 | 11.11% | 11.51% | 11.66% | 12.52% | 11.10% | 11.97% | 12.34% | 12.17% | -35 bps | |
| Equity / Assets | 6.71% | 7.21% | 7.37% | 7.59% | 6.55% | 6.82% | 6.70% | 6.17% | -142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.32% | 67.25% | 67.85% | 66.88% | 63.07% | 59.95% | 57.29% | 52.97% | -1,390 bps | |
| Liquid Assets / Assets | 1.48% | 2.43% | 3.04% | 3.63% | 3.62% | 4.41% | 5.05% | 1.27% | -236 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |