Gallatin Gateway, MT · Cert 32871
FDIC
Q1 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.59% | 1.28% | 1.06% | 1.10% | 0.71% | 1.11% | 0.63% | -44 bps | |
| Return on Equity | 4.49% | 3.40% | 7.27% | 5.92% | 6.13% | 4.00% | 6.29% | 3.55% | -237 bps | |
| Net Interest Margin | 3.94% | 3.93% | 3.94% | 3.92% | 3.92% | 3.79% | 3.63% | 3.60% | -32 bps | |
| Efficiency Ratio | 57.12% | 71.81% | 46.57% | 49.91% | 57.66% | 55.11% | 56.52% | 57.53% | +762 bps | |
| Non-Interest Burden | 2.13% | 3.08% | 1.36% | 1.55% | 1.96% | 1.87% | 1.67% | 1.86% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.30% | 0.48% | -2.01% | -3.50% | 1.96% | 5.05% | 6.62% | 4.70% | +820 bps | |
| Loan Growth (YoY) | -6.65% | -8.35% | -7.89% | -5.96% | -10.71% | -10.57% | -7.99% | -10.13% | -417 bps | |
| Deposit Growth (YoY) | 21.17% | 13.14% | 8.31% | -6.13% | -4.84% | 2.35% | 10.99% | 9.45% | +1,558 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 | 1.10% | 1.63% | 1.70% | 0.10% | 3.11% | 2.19% | 0.48% | 2.93% | +283 bps | |
| Allowance / Loans | 4.32% | 4.03% | 3.99% | 4.25% | 3.93% | 3.83% | 3.86% | 3.60% | -65 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 | 21.55% | 22.15% | 23.23% | 23.72% | 24.81% | 25.13% | 25.43% | 25.92% | +221 bps | |
| Equity / Assets | 17.19% | 17.44% | 17.85% | 18.02% | 17.93% | 17.79% | 17.52% | 17.79% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 121.85% | 124.11% | 125.05% | 120.06% | 114.33% | 108.45% | 103.65% | 98.58% | -2,148 bps | |
| Liquid Assets / Assets | 0.06% | 0.07% | 0.03% | 0.36% | 2.53% | 0.70% | 0.61% | 0.36% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |