Seeley Lake, MT · Cert 26190
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Seeley Lake, MT · Cert 26190
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.69% | 1.61% | 1.73% | 1.79% | 1.35% | 1.46% | 0.58% | -114 bps | |
| Return on Equity | 18.99% | 18.59% | 17.62% | 18.85% | 19.55% | 14.81% | 15.83% | 6.59% | -1,226 bps | |
| Net Interest Margin | 3.77% | 3.69% | 3.67% | 3.47% | 3.60% | 3.44% | 3.31% | 3.06% | -42 bps | |
| Efficiency Ratio | 53.58% | 54.26% | 57.10% | 52.83% | 52.68% | 63.17% | 62.20% | 82.20% | +2,937 bps | |
| Non-Interest Burden | 1.89% | 1.91% | 2.01% | 1.73% | 1.78% | 2.09% | 1.97% | 2.47% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.40% | -1.11% | 0.17% | -1.12% | 0.09% | -1.13% | -0.39% | 0.05% | +117 bps | |
| Loan Growth (YoY) | -6.02% | -1.49% | -0.12% | -1.57% | -3.07% | -9.83% | -10.01% | -8.46% | -689 bps | |
| Deposit Growth (YoY) | -1.94% | -1.52% | -0.10% | -0.77% | 0.00% | -1.04% | -0.44% | 0.91% | +169 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 | 0.03% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% | 0.01% | 0.20% | +20 bps | |
| Allowance / Loans | 1.12% | 1.09% | 1.10% | 1.13% | 1.15% | 1.21% | 1.07% | 1.03% | -10 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 | 13.60% | 13.85% | 14.43% | 14.03% | 14.59% | 15.32% | 15.60% | 13.95% | -8 bps | |
| Equity / Assets | 9.01% | 9.06% | 9.33% | 8.99% | 9.19% | 9.06% | 9.45% | 8.28% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.71% | 80.99% | 81.42% | 80.07% | 78.24% | 73.79% | 73.59% | 72.63% | -743 bps | |
| Liquid Assets / Assets | 18.90% | 19.25% | 19.70% | 21.00% | 23.09% | 26.30% | 22.37% | 26.47% | +547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |