Gallatin Gateway, MT · Cert 32871
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.57% | 0.74% | 1.06% | 1.08% | 0.95% | 1.00% | 0.63% | -44 bps | |
| Return on Equity | 3.51% | 3.49% | 4.49% | 5.92% | 6.02% | 5.34% | 5.59% | 3.55% | -237 bps | |
| Net Interest Margin | 3.91% | 3.95% | 4.00% | 3.92% | 3.90% | 3.83% | 3.70% | 3.60% | -32 bps | |
| Efficiency Ratio | 51.30% | 56.55% | 53.69% | 49.91% | 53.77% | 54.19% | 54.78% | 57.53% | +762 bps | |
| Non-Interest Burden | 1.79% | 2.24% | 2.05% | 1.55% | 1.74% | 1.78% | 1.71% | 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 | 1.44% | 1.53% | 1.62% | 0.10% | 1.61% | 1.83% | 1.50% | 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 |