Missoula, MT · Cert 33967
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 | 0.07% | 0.49% | -0.14% | 0.84% | 0.93% | 1.03% | 1.12% | 0.97% | +13 bps | |
| Return on Equity | 0.66% | 4.80% | -1.35% | 8.43% | 9.07% | 9.84% | 10.59% | 8.59% | +16 bps | |
| Net Interest Margin | 3.06% | 3.15% | 3.04% | 2.73% | 2.96% | 3.08% | 3.08% | 2.86% | +13 bps | |
| Efficiency Ratio | 71.58% | 69.67% | 65.14% | 74.72% | 73.42% | 71.62% | 69.75% | 74.74% | +2 bps | |
| Non-Interest Burden | 2.05% | 2.01% | 1.75% | 1.91% | 2.02% | 2.03% | 1.94% | 1.89% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.73% | -4.00% | -4.98% | -3.71% | -4.28% | -5.06% | -7.86% | -2.94% | +78 bps | |
| Loan Growth (YoY) | -18.62% | -12.40% | -14.64% | -12.51% | -10.23% | -13.75% | -8.34% | -10.68% | +183 bps | |
| Deposit Growth (YoY) | -6.57% | -5.62% | -4.74% | -2.74% | -4.27% | -3.74% | -8.12% | -2.09% | +65 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 | 3.11% | 2.08% | 2.43% | -0.04% | -0.02% | 0.04% | 0.03% | 0.17% | +21 bps | |
| Allowance / Loans | 1.66% | 1.67% | 2.99% | 3.15% | 3.12% | 3.22% | 3.23% | 3.44% | +29 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 | 16.65% | 17.68% | 17.81% | 18.46% | 18.89% | 20.15% | 20.92% | 21.66% | +321 bps | |
| Equity / Assets | 10.39% | 10.54% | 9.73% | 10.18% | 10.91% | 10.99% | 11.31% | 11.19% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.53% | 66.57% | 60.77% | 59.04% | 63.33% | 59.65% | 60.63% | 53.86% | -518 bps | |
| Liquid Assets / Assets | 17.97% | 22.70% | 27.54% | 23.40% | 20.87% | 29.80% | 35.31% | 34.52% | +1,112 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |