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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 0.51% | 0.49% | 0.26% | 0.32% | -39 bps | |
| Return on Equity | 7.01% | 5.05% | 4.95% | 2.60% | 3.04% | -396 bps | |
| Net Interest Margin | 3.66% | 3.44% | 3.15% | 3.39% | 2.95% | -71 bps | |
| Efficiency Ratio | 74.68% | 80.60% | 80.44% | 91.12% | 89.49% | +1,481 bps | |
| Non-Interest Burden | 2.54% | 2.62% | 2.40% | 3.03% | 2.51% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.13% | 8.40% | 4.52% | 5.38% | 1.80% | -533 bps | |
| Loan Growth (YoY) | 10.84% | 9.79% | -2.76% | -6.89% | -10.97% | -2,181 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | -0.03% | 0.00% | -0.01% | -0.01% | -0.01% | +2 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 9.87% | 11.33% | n/a | |
| Total Risk-Based Capital | 16.41% | 16.27% | 17.63% | 16.44% | 19.08% | +267 bps | |
| Equity / Assets | 10.20% | 9.86% | 9.87% | 9.81% | 11.40% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.25% | 64.57% | 58.60% | 56.50% | 58.72% | -853 bps | |
| Liquid Assets / Assets | 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 |