Glendive, MT · Cert 22974
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Glendive, MT · Cert 22974
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.59% | 0.62% | 0.68% | 0.66% | 0.45% | 0.45% | -0.53% | -121 bps | |
| Return on Equity | 6.55% | 6.17% | 6.39% | 6.96% | 6.74% | 4.59% | 4.52% | -5.38% | -1,234 bps | |
| Net Interest Margin | 3.20% | 2.99% | 2.99% | 3.11% | 2.98% | 2.60% | 2.59% | 2.74% | -37 bps | |
| Efficiency Ratio | 71.13% | 73.07% | 71.39% | 68.56% | 69.27% | 73.70% | 74.65% | 129.09% | +6,052 bps | |
| Non-Interest Burden | 2.21% | 2.12% | 2.07% | 2.05% | 1.97% | 1.86% | 1.88% | 3.60% | +155 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.13% | 14.50% | 10.99% | 12.59% | 5.24% | 1.46% | -0.98% | -1.10% | -1,369 bps | |
| Loan Growth (YoY) | -2.89% | 3.44% | 1.95% | -4.69% | 0.51% | -12.89% | -13.38% | -12.80% | -811 bps | |
| Deposit Growth (YoY) | 8.23% | 14.99% | 11.36% | 13.50% | 5.15% | 1.25% | -1.01% | -0.12% | -1,362 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 | 0.18% | -0.30% | -0.15% | -0.10% | -0.06% | 0.00% | 0.00% | 0.01% | +11 bps | |
| Allowance / Loans | 1.49% | 1.48% | 1.38% | 1.39% | 1.48% | 1.70% | 1.60% | 1.59% | +20 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 | 17.21% | 16.53% | 16.46% | 17.02% | 17.59% | 20.26% | 19.76% | 18.50% | +148 bps | |
| Equity / Assets | 9.84% | 9.32% | 10.02% | 10.05% | 9.88% | 9.56% | 10.22% | 9.39% | -66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 54.90% | 51.06% | 57.89% | 56.34% | 52.47% | 43.93% | 50.65% | 49.19% | -715 bps | |
| Liquid Assets / Assets | 9.77% | 9.53% | 9.55% | 10.78% | 26.75% | 39.60% | 34.85% | 36.68% | +2,589 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |