Eureka, MT · Cert 19247
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Eureka, MT · Cert 19247
FDIC
Q2 2001
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 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.42% | 1.50% | 1.67% | 1.71% | 1.72% | 1.72% | 1.56% | 1.57% | -14 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.49% | 4.42% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 56.04% | 55.45% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 2.11% | 2.05% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.49% | 18.55% | 8.77% | 11.06% | 12.32% | 5.39% | 14.67% | 4.78% | -628 bps | |
| Loan Growth (YoY) | 8.54% | 11.36% | 9.67% | 12.36% | 11.97% | 11.62% | 12.73% | 5.86% | -650 bps | |
| Deposit Growth (YoY) | 8.49% | 4.03% | 7.45% | 8.07% | 9.50% | 4.17% | 1.00% | 4.43% | -364 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 | n/a | n/a | n/a | n/a | n/a | n/a | 0.00% | 0.18% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.53% | 1.45% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 17.68% | 17.53% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 11.12% | 11.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.86% | 98.19% | 94.91% | 102.64% | 98.02% | 105.21% | 105.93% | 104.05% | +141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 3.28% | +328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |