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Big Sky Western Bank

Gallatin Gateway, MT · Cert 32871

FDIC

Q1 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2012, the quarter ended March 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Big Sky Western Bank

Gallatin Gateway, MT · Cert 32871

FDIC

Q1 2012

$380.7MAssets
$222.9MLoans
$226.1MDeposits
$67.7MEquity
Loan mix
91%RE $170.1M8%C&I $14.1M2%Consumer $3.2MQ1 2011Q1 2012
Deposit mix
76%Interest-bearing $170.7M24%Noninterest $55.4MQ1 2011Q1 2012

NIM

4.56%Q1 ’104.40%Q1 ’113.95%Q1 ’12+0%-8%

Non-interest income vs. expense

2.08%Q1 ’102.37%Q1 ’112.37%Q1 ’12+6%+20%

Executive Summary

  • Earnings: ROA of 0.63%, down 44 bps year over year; NIM at 3.60%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.93%.
  • Funding: loans stand at 98.58% of deposits as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

0.63%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.60%-32 bps YoY

Efficiency Ratio (YTD, annualized)

57.53%+762 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets1.06%1.08%0.95%1.00%0.63%-44 bps
Return on Equity5.92%6.02%5.34%5.59%3.55%-237 bps
Net Interest Margin3.92%3.90%3.83%3.70%3.60%-32 bps
Efficiency Ratio49.91%53.77%54.19%54.78%57.53%+762 bps
Non-Interest Burden1.55%1.74%1.78%1.71%1.86%+31 bps
Growth
Asset Growth (YoY)-3.50%1.96%5.05%6.62%4.70%+820 bps
Loan Growth (YoY)-5.96%-10.71%-10.57%-7.99%-10.13%-417 bps
Deposit Growth (YoY)-6.13%-4.84%2.35%10.99%9.45%+1,558 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%1.61%1.83%1.50%2.93%+283 bps
Allowance / Loans4.25%3.93%3.83%3.86%3.60%-65 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital23.72%24.81%25.13%25.43%25.92%+221 bps
Equity / Assets18.02%17.93%17.79%17.52%17.79%-22 bps
Liquidity & Funding
Loans / Deposits120.06%114.33%108.45%103.65%98.58%-2,148 bps
Liquid Assets / Assets0.36%2.53%0.70%0.61%0.36%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a