Kalispell, MT · Cert 34206
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.70% | 1.19% | 1.39% | 1.27% | 1.46% | -0.97% | 0.23% | -117 bps | |
| Return on Equity | 10.51% | 17.47% | 11.54% | 13.50% | 12.23% | 13.69% | -6.91% | 1.31% | -1,219 bps | |
| Net Interest Margin | 4.60% | 5.04% | 5.03% | 5.32% | 5.66% | 5.33% | -3.25% | 3.76% | -156 bps | |
| Efficiency Ratio | 72.82% | 64.69% | 70.13% | 63.84% | 68.10% | 62.59% | 80.33% | 81.87% | +1,803 bps | |
| Non-Interest Burden | 3.03% | 2.92% | 3.20% | 3.07% | 3.52% | 2.89% | -0.92% | 3.34% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.74% | 3.97% | -5.98% | 1.29% | 0.27% | 6.83% | 21.75% | 9.36% | +807 bps | |
| Loan Growth (YoY) | 15.80% | 10.04% | 5.46% | 0.34% | 0.08% | -5.43% | -8.64% | -15.47% | -1,581 bps | |
| Deposit Growth (YoY) | 25.59% | 8.02% | -4.31% | 4.24% | -1.59% | 5.72% | 12.91% | -0.30% | -453 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 | -0.04% | -0.02% | 0.20% | 0.00% | -0.09% | 0.07% | -0.07% | 0.10% | +10 bps | |
| Allowance / Loans | 0.92% | 0.95% | 0.90% | 0.91% | 0.99% | 1.13% | 1.17% | 1.28% | +37 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 | 12.83% | 13.87% | 14.07% | 14.01% | 14.35% | 15.36% | 15.53% | 17.19% | +318 bps | |
| Equity / Assets | 9.48% | 9.99% | 10.65% | 10.04% | 10.71% | 10.68% | 17.14% | 17.34% | +730 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.47% | 79.60% | 81.38% | 76.15% | 79.81% | 71.21% | 65.84% | 64.56% | -1,159 bps | |
| Liquid Assets / Assets | 4.39% | 3.56% | 2.76% | 8.35% | 3.84% | 15.18% | 9.30% | 3.57% | -478 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |