Helena, MT · Cert 33314
FDIC · 13 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Helena, MT · Cert 33314
FDIC · 13 branches
Q3 2014
Market Position · Great Falls, MT · 2014 SOD (annual) · 10.6% share · #5 of 10 inst. · $0.1B of $1.3B
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.48% | 0.52% | 0.64% | 0.75% | 0.54% | 0.66% | 0.27% | -37 bps | |
| Return on Equity | 5.08% | 4.04% | 4.43% | 5.43% | 6.42% | 4.47% | 5.39% | 2.09% | -334 bps | |
| Net Interest Margin | 3.54% | 3.49% | 3.56% | 3.52% | 3.50% | 3.47% | 3.48% | 0.98% | -254 bps | |
| Efficiency Ratio | 79.90% | 83.99% | 82.98% | 82.53% | 81.82% | 77.26% | 75.61% | 54.12% | -2,841 bps | |
| Non-Interest Burden | 2.62% | 2.79% | 2.80% | 2.75% | 2.72% | 2.53% | 2.44% | 0.54% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.05% | -1.41% | -0.78% | 1.47% | -1.01% | 0.25% | -1.63% | -4.09% | -556 bps | |
| Loan Growth (YoY) | -4.28% | -3.03% | -3.02% | 0.77% | -4.86% | -1.34% | -3.78% | -12.39% | -1,316 bps | |
| Deposit Growth (YoY) | 1.84% | -0.86% | -1.43% | 0.08% | -2.46% | -1.52% | -1.46% | -5.82% | -590 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 | 0.34% | -0.22% | -0.10% | -0.02% | -0.11% | -0.03% | 0.16% | 0.00% | +2 bps | |
| Allowance / Loans | 3.25% | 3.48% | 3.45% | 3.26% | 3.00% | 3.11% | 3.09% | 0.00% | -326 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 | 17.18% | 17.71% | 17.67% | 17.63% | 17.62% | 18.08% | 18.23% | 15.92% | -171 bps | |
| Equity / Assets | 11.60% | 12.02% | 11.68% | 11.61% | 11.86% | 12.19% | 12.49% | 15.41% | +380 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.84% | 75.05% | 77.14% | 74.01% | 74.95% | 75.18% | 75.33% | 68.85% | -516 bps | |
| Liquid Assets / Assets | 6.51% | 5.66% | 7.78% | 9.01% | 8.10% | 8.36% | 8.82% | 22.91% | +1,390 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |