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First National Bank of Ekalaka, The

Ekalaka, MT · Cert 2172

FDIC

Q2 2009

$31.4MAssets
$15.8MLoans
$28.9MDeposits
$2.2MEquity
Deposit mix
87%Interest-bearing $25.3M13%Noninterest $3.6MQ2 2008Q2 2009

NIM

6.24%Q2 ’075.44%Q2 ’084.25%Q2 ’09-17%-13%

Non-interest income vs. expense

2.03%Q2 ’072.37%Q2 ’082.21%Q2 ’09+10%-6%

Executive Summary

  • Earnings: ROA of 0.48%, down 16 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 54.81% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

0.48%-16 bps YoY

Net Interest Margin (quarter, annualized)

2.79%-41 bps YoY

Efficiency Ratio (quarter, annualized)

74.78%+507 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets0.64%0.90%0.41%0.39%0.48%-16 bps
Return on Equity7.96%10.89%5.35%5.39%6.77%-120 bps
Net Interest Margin3.21%3.64%3.36%2.72%2.79%-41 bps
Efficiency Ratio69.71%61.05%73.19%79.45%74.78%+507 bps
Non-Interest Burden2.18%2.15%2.38%2.14%2.05%-13 bps
Growth
Asset Growth (YoY)7.61%6.76%8.48%4.99%13.40%+579 bps
Loan Growth (YoY)4.36%4.01%7.17%14.37%15.34%+1,098 bps
Deposit Growth (YoY)8.87%8.13%9.78%6.12%15.43%+657 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%3.03%0.00%0.00%0 bps
Allowance / Loans1.90%1.84%1.74%1.55%1.45%-45 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.89%12.98%10.75%11.12%10.32%-256 bps
Equity / Assets8.25%8.34%7.13%7.18%7.03%-122 bps
Liquidity & Funding
Loans / Deposits54.85%55.84%48.06%53.50%54.81%-4 bps
Liquid Assets / Assets33.30%32.75%30.38%31.03%26.00%-730 bps
CRE / Total Capitaln/an/an/an/an/an/an/a