Billings, MT · Charter 21239
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Billings, MT · Charter 21239
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.58% | 1.16% | 1.21% | 1.27% | 0.04% | 0.54% | 0.74% | -47 bps | |
| Return on Equity | 8.55% | 13.81% | 10.08% | 10.16% | 10.59% | 0.35% | 4.50% | 5.89% | -427 bps | |
| Net Interest Margin | 2.92% | 2.87% | 2.73% | 2.79% | 2.72% | 2.57% | 2.86% | 3.00% | +21 bps | |
| Efficiency Ratio | 65.77% | 52.93% | 62.64% | 62.38% | 59.95% | 98.67% | 81.06% | 76.88% | +1,449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.18% | 14.55% | 6.18% | 5.07% | 7.57% | 3.78% | 5.08% | 2.72% | -235 bps | |
| Loan Growth (YoY) | 3.71% | 5.66% | 3.06% | -3.11% | -4.72% | -9.86% | -8.95% | -9.50% | -638 bps | |
| Share Growth (YoY) | 15.06% | 15.20% | 6.21% | 4.82% | 6.52% | 2.79% | 4.14% | 2.24% | -257 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.11% | 1.11% | 1.28% | 1.17% | 2.54% | 3.17% | 3.63% | +235 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.27% | 0.32% | 0.32% | 0.33% | 0.13% | 0.18% | 0.18% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 11.44% | 11.53% | 11.95% | 12.04% | 11.91% | 11.92% | 12.58% | +63 bps | |
| Net Worth / Assets | 11.57% | 11.44% | 11.53% | 11.95% | 12.04% | 11.91% | 11.92% | 12.58% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.59% | 57.78% | 56.90% | 56.94% | 55.09% | 50.67% | 49.75% | 50.40% | -654 bps | |
| Liquid Assets / Assets | 28.64% | 45.27% | 38.09% | 44.33% | 29.16% | 36.49% | 32.63% | 36.52% | -781 bps | |