Absarokee, MT · Cert 18772
FDIC · 3 branches
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
Absarokee, MT · Cert 18772
FDIC · 3 branches
Q2 2015
Market Position · Billings, MT · 2015 SOD (annual) · 0.2% share · #12 of 14 inst. · $0.0B of $4.6B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.59% | 0.58% | 0.64% | 0.60% | 0.57% | 0.26% | 0.29% | -35 bps | |
| Return on Equity | 5.27% | 5.56% | 5.71% | 6.34% | 5.92% | 5.68% | 2.60% | 2.80% | -355 bps | |
| Net Interest Margin | 3.40% | 3.29% | 3.55% | 3.59% | 3.50% | 3.31% | 3.39% | 3.17% | -42 bps | |
| Efficiency Ratio | 78.98% | 78.45% | 78.61% | 76.60% | 77.93% | 78.53% | 91.12% | 90.31% | +1,371 bps | |
| Non-Interest Burden | 2.51% | 2.40% | 2.65% | 2.58% | 2.57% | 2.45% | 3.03% | 2.77% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.00% | 6.64% | 5.75% | 7.13% | 8.40% | 4.52% | 5.38% | 1.80% | -533 bps | |
| Loan Growth (YoY) | 10.24% | 11.46% | 12.09% | 10.84% | 9.79% | -2.76% | -6.89% | -10.97% | -2,181 bps | |
| Deposit Growth (YoY) | -2.26% | 5.75% | 6.95% | 8.10% | 11.68% | 5.61% | 7.08% | 1.96% | -614 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 | -0.01% | 0.04% | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | -0.01% | +1 bps | |
| Allowance / Loans | 2.44% | 2.33% | 2.30% | 2.20% | 2.23% | 2.43% | 2.51% | 2.43% | +23 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 | 9.87% | 11.33% | n/a | |
| Total Risk-Based Capital | 17.44% | 17.06% | 16.83% | 16.41% | 16.27% | 17.63% | 16.44% | 19.08% | +267 bps | |
| Equity / Assets | 10.40% | 10.09% | 10.13% | 10.20% | 9.86% | 9.87% | 9.81% | 11.40% | +120 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.68% | 63.65% | 64.98% | 67.25% | 64.57% | 58.60% | 56.50% | 58.72% | -853 bps | |
| Liquid Assets / Assets | 4.88% | 4.60% | 4.62% | 4.26% | 5.43% | 5.76% | 5.71% | 5.80% | +154 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |