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Columbia Trust Bank

Pasco, WA · Cert 34257

FDIC

Q4 2005

$215.0MAssets
$148.5MLoans
$185.4MDeposits
$17.4MEquity
Loan mix
33%RE $16.6M64%C&I $31.6M3%Consumer $1.6MQ4 2004Q4 2005
Deposit mix
78%Interest-bearing $145.4M22%Noninterest $40.0MQ4 2004Q4 2005

NIM

5.38%Q4 ’035.26%Q4 ’045.62%Q4 ’05+1%-1%

Non-interest income vs. expense

2.76%Q4 ’033.02%Q4 ’043.25%Q4 ’05+17%+10%

Executive Summary

  • Earnings: ROA of 0.62%, down 12 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 80.07% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

0.62%-12 bps YoY

Net Interest Margin (YTD, annualized)

3.93%-4 bps YoY

Efficiency Ratio (YTD, annualized)

75.79%+678 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.74%0.71%0.69%0.68%0.62%-12 bps
Return on Equity8.21%8.10%7.91%7.83%7.32%-90 bps
Net Interest Margin3.98%4.44%4.38%4.17%3.93%-4 bps
Efficiency Ratio69.00%71.32%75.64%75.26%75.79%+678 bps
Non-Interest Burden2.62%3.05%3.21%3.05%2.89%+27 bps
Growth
Asset Growth (YoY)14.87%15.91%11.28%10.42%15.86%+99 bps
Loan Growth (YoY)16.31%14.80%7.13%4.74%2.61%-1,370 bps
Deposit Growth (YoY)16.87%16.66%11.49%11.25%17.69%+82 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.18%0.11%0.18%0.30%+23 bps
Allowance / Loans1.70%1.72%1.65%1.59%1.64%-7 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 Capital11.91%11.95%11.89%11.62%11.39%-52 bps
Equity / Assets8.84%8.75%8.72%8.28%8.10%-75 bps
Liquidity & Funding
Loans / Deposits91.83%93.11%93.43%87.95%80.07%-1,176 bps
Liquid Assets / Assets0.87%0.98%0.83%5.94%7.84%+697 bps
CRE / Total Capitaln/an/an/an/an/an/an/a