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Glacier Bank of Eureka

Eureka, MT · Cert 19247

FDIC

Q2 2001

$31.8MAssets
$20.5MLoans
$19.7MDeposits
$3.5MEquity
Loan mix
84%RE $11.9M15%C&I $2.2M0%Consumer $0.0MQ2 2000Q2 2001
Deposit mix
80%Interest-bearing $15.8M20%Noninterest $3.8MQ2 2000Q2 2001

NIM

7.94%Q1 ’017.55%Q2 ’01-2%

Non-interest income vs. expense

3.04%Q1 ’012.92%Q2 ’01-5%

Executive Summary

  • Earnings: ROA of 1.57%, down 14 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 104.05% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

1.57%-14 bps YoY

Net Interest Margin (quarter, annualized)

4.41%

Efficiency Ratio (quarter, annualized)

54.85%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets1.71%1.72%1.72%1.56%1.57%-14 bps
Return on Equityn/an/an/an/a14.18%n/an/a
Net Interest Marginn/an/an/a4.49%4.41%n/a
Efficiency Ration/an/an/a56.04%54.85%n/a
Non-Interest Burdenn/an/an/a2.11%2.01%n/a
Growth
Asset Growth (YoY)11.06%12.32%5.39%14.67%4.78%-628 bps
Loan Growth (YoY)12.36%11.97%11.62%12.73%5.86%-650 bps
Deposit Growth (YoY)8.07%9.50%4.17%1.00%4.43%-364 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a0.00%0.35%n/a
Allowance / Loansn/an/an/a1.53%1.45%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/a17.68%17.53%n/a
Equity / Assetsn/an/an/a11.12%11.00%n/a
Liquidity & Funding
Loans / Deposits102.64%98.02%105.21%105.93%104.05%+141 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%3.28%+328 bps
CRE / Total Capitaln/an/an/an/an/an/an/a