Billings, MT · Charter 24306
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Billings, MT · Charter 24306
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 0.94% | 0.67% | 0.31% | 0.50% | 0.52% | 0.24% | -4.78% | -509 bps | |
| Return on Equity | 6.93% | 5.16% | 3.91% | 1.92% | 3.03% | 3.15% | 1.49% | -35.30% | -3,721 bps | |
| Net Interest Margin | 4.63% | 4.16% | 3.61% | 3.33% | 3.39% | 3.37% | 3.01% | -2.05% | -538 bps | |
| Efficiency Ratio | 70.56% | 75.38% | 78.92% | 86.26% | 82.26% | 82.76% | 93.43% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.52% | 7.57% | 17.49% | 21.01% | 20.84% | 15.18% | 9.71% | 4.73% | -1,627 bps | |
| Loan Growth (YoY) | 3.43% | 14.59% | 10.59% | 1.89% | 7.05% | -1.78% | 0.41% | -2.20% | -410 bps | |
| Share Growth (YoY) | -2.44% | 6.25% | 18.60% | 23.90% | 24.53% | 17.96% | 11.11% | 6.96% | -1,694 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.25% | 0.95% | 0.72% | 0.49% | 0.22% | 0.58% | 0.21% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 0.91% | 1.07% | 0.97% | 1.02% | 1.05% | 0.91% | 0.83% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.76% | 18.24% | 17.18% | 16.32% | 16.54% | 16.57% | 16.23% | 13.54% | -277 bps | |
| Net Worth / Assets | 18.76% | 18.24% | 17.18% | 16.32% | 16.54% | 16.57% | 16.23% | 13.54% | -277 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.55% | 85.14% | 74.25% | 69.11% | 71.82% | 70.89% | 67.10% | 63.19% | -592 bps | |
| Liquid Assets / Assets | 21.76% | 24.20% | 30.48% | 32.75% | 31.49% | 31.96% | 33.07% | 39.14% | +640 bps | |