Kalispell, MT · Cert 26972
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.94% | 1.04% | 0.48% | 0.62% | 0.05% | 0.57% | -0.18% | -67 bps | |
| Return on Equity | 10.80% | 11.85% | 13.14% | 5.99% | 7.53% | 0.57% | 6.85% | -2.19% | -818 bps | |
| Net Interest Margin | 4.38% | 4.23% | 4.57% | 3.76% | 4.10% | 3.73% | 3.82% | 3.01% | -75 bps | |
| Efficiency Ratio | 74.52% | 69.40% | 63.09% | 71.77% | 64.35% | 74.78% | 73.80% | 86.68% | +1,491 bps | |
| Non-Interest Burden | 3.03% | 2.60% | 2.50% | 2.40% | 2.27% | 2.57% | 2.73% | 2.51% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.78% | 19.10% | 16.14% | 12.92% | 7.74% | 2.01% | 0.55% | -0.63% | -1,356 bps | |
| Loan Growth (YoY) | 20.33% | 19.88% | 19.02% | 15.16% | 10.88% | 4.55% | -1.10% | -7.11% | -2,227 bps | |
| Deposit Growth (YoY) | 9.37% | 15.17% | 13.52% | 5.50% | 1.18% | -0.65% | 1.68% | 1.23% | -427 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 | 0.10% | 0.04% | 0.15% | 0.08% | 0.79% | 0.53% | 0.14% | 1.37% | +129 bps | |
| Allowance / Loans | 1.12% | 1.08% | 1.11% | 1.30% | 1.32% | 1.52% | 1.55% | 1.60% | +30 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 | 10.38% | 10.24% | 10.12% | 10.44% | 10.32% | 10.51% | 10.71% | 11.49% | +104 bps | |
| Equity / Assets | 8.04% | 7.91% | 7.96% | 8.17% | 8.22% | 8.30% | 8.38% | 8.48% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.43% | 103.87% | 109.68% | 109.57% | 114.44% | 109.30% | 106.68% | 100.55% | -902 bps | |
| Liquid Assets / Assets | 3.15% | 4.69% | 3.26% | 2.92% | 2.59% | 2.41% | 2.71% | 2.34% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |