Missoula, MT · Cert 21010
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Missoula, MT · Cert 21010
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.13% | 1.10% | 0.76% | 1.03% | 1.10% | 1.11% | 0.99% | +23 bps | |
| Return on Equity | 8.92% | 8.45% | 8.35% | 6.36% | 8.66% | 9.08% | 9.18% | 7.98% | +162 bps | |
| Net Interest Margin | 3.96% | 3.88% | 3.69% | 3.57% | 3.56% | 3.59% | 3.56% | 3.61% | +3 bps | |
| Efficiency Ratio | 44.04% | 47.89% | 46.60% | 45.35% | 44.58% | 44.41% | 43.14% | 46.64% | +128 bps | |
| Non-Interest Burden | 1.45% | 1.79% | 1.59% | 1.36% | 1.31% | 1.38% | 1.29% | 1.53% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.00% | 5.16% | 12.75% | 16.62% | 16.00% | 15.15% | 9.70% | 5.12% | -1,150 bps | |
| Loan Growth (YoY) | -0.71% | 0.28% | 0.92% | -3.85% | 0.06% | 1.42% | 0.58% | 1.17% | +502 bps | |
| Deposit Growth (YoY) | 25.91% | 21.18% | 21.10% | 14.82% | -1.46% | 3.95% | 2.74% | 4.59% | -1,023 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 | 0.83% | 1.00% | 1.28% | 1.63% | 1.14% | 1.00% | 1.14% | 0.79% | -83 bps | |
| Allowance / Loans | 3.51% | 3.30% | 3.33% | 3.59% | 3.69% | 3.75% | 3.90% | 4.18% | +59 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.55% | 16.63% | 16.62% | 16.47% | 16.40% | 16.86% | 17.18% | 17.49% | +103 bps | |
| Equity / Assets | 13.39% | 13.36% | 12.21% | 11.67% | 11.98% | 12.43% | 12.40% | 12.46% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.62% | 82.02% | 80.20% | 79.65% | 81.86% | 80.02% | 78.51% | 77.05% | -260 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.00% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |