Columbia Falls, MT · Cert 26682
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 0.90% | 1.10% | 1.13% | 1.47% | 1.51% | 1.52% | 0.29% | -85 bps | |
| Return on Equity | 14.76% | 11.31% | 13.53% | 14.38% | 18.00% | 16.63% | 15.56% | 2.30% | -1,208 bps | |
| Net Interest Margin | 4.43% | 4.54% | 4.73% | 4.38% | 4.79% | 5.97% | 6.20% | 1.41% | -296 bps | |
| Efficiency Ratio | 69.99% | 73.48% | 67.18% | 65.93% | 53.68% | 57.04% | 58.96% | 67.13% | +120 bps | |
| Non-Interest Burden | 2.81% | 3.06% | 2.80% | 2.54% | 2.09% | 2.85% | 3.09% | 0.83% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.86% | -4.91% | -6.39% | 22.60% | -5.68% | -11.09% | -16.79% | -28.27% | -5,086 bps | |
| Loan Growth (YoY) | 13.62% | -12.59% | -16.78% | -22.81% | -18.53% | -2.16% | 5.99% | -2.18% | +2,063 bps | |
| Deposit Growth (YoY) | 1.54% | -8.11% | -7.83% | 23.52% | -6.85% | -13.32% | -18.96% | -42.28% | -6,579 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 | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.16% | 1.42% | 1.54% | 1.58% | 1.69% | 1.67% | 1.62% | 1.81% | +23 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 | 11.38% | 13.03% | 13.61% | 12.74% | 14.75% | 15.57% | 15.79% | 17.30% | +456 bps | |
| Equity / Assets | 7.78% | 8.65% | 8.75% | 7.05% | 9.63% | 11.57% | 12.38% | 23.98% | +1,693 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.02% | 81.81% | 73.37% | 53.81% | 75.24% | 92.35% | 95.96% | 91.18% | +3,738 bps | |
| Liquid Assets / Assets | 2.97% | 2.81% | 2.69% | 0.35% | 0.44% | 3.61% | 0.00% | 0.00% | -35 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |