Billings, MT · Cert 19964
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | -1.14% | 1.33% | 1.56% | 0.01%1 | -98 bps | |
| Return on Equity | 11.63% | -13.74% | 16.89% | 18.95% | 0.09% | -1,155 bps | |
| Net Interest Margin | 4.41% | 4.37% | 4.62% | 4.76% | -8.23% | -1,265 bps | |
| Efficiency Ratio | 67.68% | 66.41% | 57.68% | 50.69% | 47.56% | -2,012 bps | |
| Non-Interest Burden | 2.78% | 2.72% | 2.45% | 2.10% | -4.91% | -768 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.38% | -1.48% | 2.37% | -1.53% | 8.78% | +1,016 bps | |
| Loan Growth (YoY) | 8.36% | 6.46% | 16.15% | 11.53% | 11.62% | +326 bps | |
| Deposit Growth (YoY) | -2.31% | -3.36% | -3.81% | 1.15% | -3.12% | -81 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.23% | -0.09% | 0.01% | 2.07% | 0.03% | -20 bps | |
| Allowance / Loans | 1.50% | 2.73% | 2.49% | 1.98% | 2.00% | +49 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.36% | 11.98% | 11.94% | 12.59% | 11.15% | -221 bps | |
| Equity / Assets | 8.64% | 7.89% | 7.92% | 8.58% | 17.12% | +848 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.14% | 82.32% | 93.35% | 88.31% | 88.87% | +1,173 bps | |
| Liquid Assets / Assets | 0.75% | 0.28% | 0.27% | 0.25% | 0.22% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |