Red Lodge, MT · Cert 2200
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Red Lodge, MT · Cert 2200
FDIC
Q4 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.44% | 1.55% | 1.64% | 1.74% | 1.74% | 1.64% | 1.52% | -11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 19.09% | 18.97% | 18.00% | 16.79% | n/a | |
| Net Interest Margin | 4.76% | 4.84% | 4.89% | 4.91% | 5.08% | 5.02% | 4.71% | 4.40% | -51 bps | |
| Efficiency Ratio | 62.87% | 59.47% | 57.20% | 55.40% | 54.72% | 53.41% | 54.18% | 57.19% | +180 bps | |
| Non-Interest Burden | 2.83% | 2.69% | 2.59% | 2.51% | 2.47% | 2.43% | 2.33% | 2.33% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.20% | 8.59% | 9.93% | 15.24% | 9.48% | 15.20% | 19.79% | 18.27% | +303 bps | |
| Loan Growth (YoY) | 10.58% | 10.12% | 12.80% | 11.22% | 13.06% | 13.56% | 16.93% | 16.40% | +518 bps | |
| Deposit Growth (YoY) | -1.38% | 6.20% | 8.04% | 8.10% | 4.68% | 11.57% | 17.55% | 21.38% | +1,327 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 | 0.10% | 0.05% | 0.03% | 0.02% | 0.17% | 0.08% | 0.26% | 0.20% | +18 bps | |
| Allowance / Loans | 1.55% | 1.48% | 1.48% | 1.46% | 1.38% | 1.31% | 1.11% | 1.08% | -39 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 | 14.37% | 14.61% | 14.78% | 13.15% | 13.58% | 13.53% | 12.96% | 13.14% | -1 bps | |
| Equity / Assets | 9.70% | 9.97% | 10.07% | 8.88% | 9.39% | 9.26% | 8.96% | 8.83% | -5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.64% | 91.06% | 89.14% | 89.35% | 93.58% | 92.69% | 88.67% | 85.69% | -366 bps | |
| Liquid Assets / Assets | 4.55% | 3.25% | 5.23% | 5.85% | 5.68% | 4.26% | 3.93% | 3.19% | -266 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |