Kalispell, MT · Cert 26972
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.90% | 0.94% | 0.48% | 0.55% | 0.38% | 0.43% | -0.18% | -67 bps | |
| Return on Equity | 11.13% | 11.41% | 11.88% | 5.99% | 6.77% | 4.68% | 5.23% | -2.19% | -818 bps | |
| Net Interest Margin | 4.17% | 4.01% | 4.07% | 3.76% | 4.02% | 3.92% | 3.83% | 3.01% | -75 bps | |
| Efficiency Ratio | 70.35% | 70.02% | 68.08% | 71.77% | 68.03% | 70.14% | 70.96% | 86.68% | +1,491 bps | |
| Non-Interest Burden | 2.64% | 2.52% | 2.46% | 2.40% | 2.40% | 2.45% | 2.48% | 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 | 0.11% | 0.08% | 0.09% | 0.08% | 0.43% | 0.46% | 0.39% | 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 |