Ekalaka, MT · Cert 2172
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Ekalaka, MT · Cert 2172
FDIC
Q2 2009
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.18% | 0.67% | 0.66% | 0.74% | 0.65% | 0.39% | 0.43% | -22 bps | |
| Return on Equity | 15.86% | 13.73% | 8.49% | 8.23% | 9.13% | 8.26% | 5.39% | 6.08% | -214 bps | |
| Net Interest Margin | 4.47% | 4.07% | 3.32% | 3.22% | 3.39% | 3.20% | 2.72% | 2.74% | -48 bps | |
| Efficiency Ratio | 50.44% | 56.78% | 69.51% | 69.61% | 66.58% | 68.35% | 79.45% | 77.06% | +745 bps | |
| Non-Interest Burden | 2.21% | 2.23% | 2.23% | 2.18% | 2.19% | 2.12% | 2.14% | 2.08% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | -0.72% | 9.87% | 7.61% | 6.76% | 8.48% | 4.99% | 13.40% | +579 bps | |
| Loan Growth (YoY) | 11.80% | 9.93% | 10.09% | 4.36% | 4.01% | 7.17% | 14.37% | 15.34% | +1,098 bps | |
| Deposit Growth (YoY) | 0.20% | -0.73% | 11.21% | 8.87% | 8.13% | 9.78% | 6.12% | 15.43% | +657 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 | 0.23% | 0.17% | -0.03% | -0.01% | -0.01% | 0.75% | 0.00% | 0.00% | +1 bps | |
| Allowance / Loans | 1.89% | 2.11% | 2.02% | 1.90% | 1.84% | 1.74% | 1.55% | 1.45% | -45 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 | 15.11% | 12.58% | 12.59% | 12.89% | 12.98% | 10.75% | 11.12% | 10.32% | -256 bps | |
| Equity / Assets | 9.36% | 7.92% | 7.78% | 8.25% | 8.34% | 7.13% | 7.18% | 7.03% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.05% | 49.24% | 49.64% | 54.85% | 55.84% | 48.06% | 53.50% | 54.81% | -4 bps | |
| Liquid Assets / Assets | 35.65% | 33.97% | 32.07% | 33.30% | 32.75% | 30.38% | 31.03% | 26.00% | -730 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |