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Ruby Valley National Bank

Twin Bridges, MT · Cert 2203

FDIC · 2 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Ruby Valley National Bank

Twin Bridges, MT · Cert 2203

FDIC · 2 branches

Q4 2017

$95.6MAssets
$56.9MLoans
$81.2MDeposits
$14.3MEquity
Loan mix
69%RE $28.6M27%C&I $11.3M4%Consumer $1.6MQ4 2016Q4 2017
Deposit mix
71%Interest-bearing $58.0M29%Noninterest $23.2MQ4 2016Q4 2017

NIM

4.82%Q4 ’154.55%Q4 ’164.61%Q4 ’17-6%+1%

Non-interest income vs. expense

2.81%Q4 ’152.65%Q4 ’162.50%Q4 ’17-6%-8%

Executive Summary

  • Earnings: ROA of 2.68%, up 61 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 1.10% of loans (+110 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 15.57%, up 91 bps from a year ago.
  • Funding: loans stand at 70.00% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

2.68%+61 bps YoY

Net Interest Margin (YTD, annualized)

4.45%+6 bps YoY

Efficiency Ratio (YTD, annualized)

52.18%-428 bps YoY

Tier 1 Leverage Ratio

15.57%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets2.06%1.96%2.16%2.49%2.68%+61 bps
Return on Equity14.29%13.81%14.92%17.01%18.21%+392 bps
Net Interest Margin4.39%4.29%4.36%4.35%4.45%+6 bps
Efficiency Ratio56.46%57.45%54.04%53.72%52.18%-428 bps
Non-Interest Burden2.35%2.33%2.21%2.18%2.17%-18 bps
Growth
Asset Growth (YoY)0.72%-2.61%-1.74%-0.12%3.05%+233 bps
Loan Growth (YoY)-2.52%-0.21%-0.35%1.55%7.69%+1,021 bps
Deposit Growth (YoY)1.19%-2.84%-1.21%-0.34%1.88%+68 bps
Asset Quality
Nonperforming Loans / Loans0.00%1.20%1.18%1.39%1.10%+110 bps
Net Charge-Offs / Loans-0.06%0.37%0.18%0.08%0.05%+11 bps
Allowance / Loans3.10%2.94%2.87%2.46%2.28%-82 bps
Allowance Coverage of NPLsn/a2.5x2.4x1.8x2.1xn/a
Capital
Tier 1 Leverage Ratio14.67%15.00%15.34%15.56%15.57%+91 bps
Total Risk-Based Capital23.75%23.57%23.55%23.40%23.99%+24 bps
Equity / Assets13.98%14.45%15.10%14.98%14.99%+101 bps
Liquidity & Funding
Loans / Deposits66.23%68.50%71.11%70.06%70.00%+378 bps
Liquid Assets / Assets4.19%2.41%2.63%4.84%4.47%+28 bps
CRE / Total Capitaln/an/an/an/an/an/an/a