PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Stockman Bank, N.A.

Conrad, MT · Cert 349

FDIC

Q1 2001

$93.8MAssets
$66.2MLoans
$75.8MDeposits
$16.7MEquity
Loan mix
75%RE $22.9M25%C&I $7.5M1%Consumer $0.2MQ1 2000Q1 2001
Deposit mix
84%Interest-bearing $63.3M16%Noninterest $12.4MQ1 2000Q1 2001

NIM

Non-interest income vs. expense

Executive Summary

  • Earnings: ROA of 2.03%, up 43 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 87.38% of deposits as of Q1 2001.

Financial Results

Return on Assets (quarter, annualized)

2.03%+43 bps YoY

Net Interest Margin (quarter, annualized)

4.45%

Efficiency Ratio (quarter, annualized)

61.47%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.60%1.69%1.57%0.51%2.03%+43 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.45%n/an/a
Efficiency Ration/an/an/an/a61.47%n/an/a
Non-Interest Burdenn/an/an/an/a2.43%n/an/a
Growth
Asset Growth (YoY)-2.47%-0.33%-7.12%5.67%6.76%+923 bps
Loan Growth (YoY)9.46%8.51%-1.25%2.50%7.04%-242 bps
Deposit Growth (YoY)-5.56%-4.77%-1.56%0.48%-1.27%+429 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.04%n/an/a
Allowance / Loansn/an/an/an/a1.30%n/an/a
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 Capitaln/an/an/an/a15.48%n/an/a
Equity / Assetsn/an/an/an/a17.78%n/an/a
Liquidity & Funding
Loans / Deposits80.60%91.64%92.63%81.81%87.38%+679 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a