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Community Bank - Missoula, Inc.

Missoula, MT · Cert 33967

FDIC

Q1 2012

$82.4MAssets
$37.0MLoans
$68.8MDeposits
$9.2MEquity
Loan mix
79%RE $27.1M20%C&I $6.8M2%Consumer $0.6MQ1 2011Q1 2012
Deposit mix
80%Interest-bearing $54.7M20%Noninterest $14.0MQ1 2011Q1 2012

NIM

4.74%Q1 ’103.96%Q1 ’113.72%Q1 ’12-10%+5%

Non-interest income vs. expense

2.61%Q1 ’102.43%Q1 ’112.88%Q1 ’12-10%-1%

Executive Summary

  • Earnings: ROA of 0.97%, up 13 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 53.86% of deposits as of Q1 2012.

Financial Results

Return on Assets (quarter, annualized)

0.97%+13 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+13 bps YoY

Efficiency Ratio (quarter, annualized)

74.74%+2 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets0.84%1.02%1.24%1.42%0.97%+13 bps
Return on Equity8.43%9.68%11.33%12.74%8.59%+16 bps
Net Interest Margin2.73%3.06%3.16%3.11%2.86%+13 bps
Efficiency Ratio74.72%72.20%68.27%64.47%74.74%+2 bps
Non-Interest Burden1.91%2.05%1.92%1.70%1.89%-2 bps
Growth
Asset Growth (YoY)-3.71%-4.28%-5.06%-7.86%-2.94%+78 bps
Loan Growth (YoY)-12.51%-10.23%-13.75%-8.34%-10.68%+183 bps
Deposit Growth (YoY)-2.74%-4.27%-3.74%-8.12%-2.09%+65 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%0.00%0.15%-0.01%0.17%+21 bps
Allowance / Loans3.15%3.12%3.22%3.23%3.44%+29 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 Capital18.46%18.89%20.15%20.92%21.66%+321 bps
Equity / Assets10.18%10.91%10.99%11.31%11.19%+101 bps
Liquidity & Funding
Loans / Deposits59.04%63.33%59.65%60.63%53.86%-518 bps
Liquid Assets / Assets23.40%20.87%29.80%35.31%34.52%+1,112 bps
CRE / Total Capitaln/an/an/an/an/an/an/a