Billings, MT · Cert 2162
FDIC
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 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.
Billings, MT · Cert 2162
FDIC
Q4 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 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.37% | 1.38% | 1.39% | 1.38% | 1.06% | 0.88% | 0.69% | -69 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 | 4.30% | 4.18% | 4.00% | 3.60% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 62.72% | 67.31% | 70.67% | 70.80% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | 2.06% | 2.34% | 2.46% | 2.10% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.27% | 7.46% | 2.12% | 7.68% | 2.89% | -6.64% | 6.84% | -8.18% | -1,586 bps | |
| Loan Growth (YoY) | -16.52% | -18.68% | -13.91% | -10.54% | -17.54% | -12.61% | -9.47% | -24.64% | -1,409 bps | |
| Deposit Growth (YoY) | -2.12% | 2.50% | 1.85% | 9.65% | 2.18% | -1.39% | -0.80% | -6.60% | -1,625 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 | 0.35% | 0.39% | 0.44% | 0.41% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | 1.74% | 1.64% | 1.51% | 1.78% | 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 | 19.49% | 18.80% | 19.06% | 20.46% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | 13.12% | 13.81% | 12.81% | 14.24% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.61% | 72.13% | 69.98% | 66.90% | 61.01% | 63.92% | 63.87% | 53.99% | -1,292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |