Ashland, MT · Charter 16839
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Ashland, MT · Charter 16839
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.98% | 0.02% | 2.03% | 2.12% | 2.51% | 0.01% | 1.62% | 0.33% | -180 bps | |
| Return on Equity | 17.97% | 0.21% | 20.92% | 21.08% | 20.27% | 0.06% | 15.29% | 2.76% | -1,832 bps | |
| Net Interest Margin | 4.08% | 2.17% | 4.08% | 4.22% | 4.89% | 3.19% | 3.62% | 3.34% | -88 bps | |
| Efficiency Ratio | 51.54% | 99.06% | 50.58% | 49.79% | 48.73% | 99.81% | 55.24% | 90.18% | +4,039 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.85% | 6.61% | 7.43% | 13.07% | -9.31% | -7.50% | -9.80% | -23.04% | -3,611 bps | |
| Loan Growth (YoY) | -7.26% | 4.68% | 7.63% | 7.46% | 3.88% | -6.43% | -8.43% | -20.55% | -2,802 bps | |
| Share Growth (YoY) | 10.42% | 7.34% | 8.11% | 14.51% | -10.74% | -8.30% | -10.69% | -24.58% | -3,909 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.13% | 17.99% | 3.58% | 2.76% | 3.38% | 3.61% | 8.18% | 2.35% | -41 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 | 2.07% | 2.16% | 2.84% | 2.26% | 2.57% | 3.61% | 4.26% | 3.50% | +125 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.00% | 9.63% | 9.71% | 10.08% | 12.40% | 10.41% | 10.61% | 11.88% | +180 bps | |
| Net Worth / Assets | 11.00% | 9.63% | 9.71% | 10.08% | 12.40% | 10.41% | 10.61% | 11.88% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 35.31% | 38.19% | 31.61% | 39.15% | 41.10% | 38.97% | 32.41% | 41.24% | +209 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |