Great Falls, MT · Cert 34970
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.22% | 1.35% | 1.23% | 1.02% | 1.20% | 1.21% | 1.10% | -12 bps | |
| Return on Equity | 13.66% | 15.41% | 17.05% | 15.21% | 12.78% | 15.09% | 14.83% | 13.21% | -200 bps | |
| Net Interest Margin | 3.84% | 3.92% | 3.84% | 3.92% | 3.63% | 3.62% | 3.59% | 3.50% | -42 bps | |
| Efficiency Ratio | 63.00% | 60.62% | 57.70% | 60.53% | 62.25% | 57.55% | 59.92% | 62.48% | +196 bps | |
| Non-Interest Burden | 2.06% | 1.89% | 1.58% | 1.88% | 1.86% | 1.58% | 1.63% | 1.74% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.46% | 11.62% | 11.55% | 12.25% | 17.20% | 11.20% | 10.36% | 6.29% | -596 bps | |
| Loan Growth (YoY) | 14.72% | 14.31% | 16.27% | 16.51% | 16.90% | 14.07% | 9.62% | 7.05% | -946 bps | |
| Deposit Growth (YoY) | 5.62% | 12.89% | 20.63% | 16.60% | 25.05% | 14.33% | 2.53% | 1.08% | -1,552 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 | 0.12% | 0.10% | 0.02% | 0.01% | 0.00% | 0.02% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.29% | 1.20% | 1.17% | 1.18% | 1.16% | 1.14% | 1.13% | 1.14% | -4 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 | 10.17% | 10.02% | 10.38% | 10.14% | 10.22% | 10.23% | 10.40% | 10.57% | +43 bps | |
| Equity / Assets | 7.98% | 7.87% | 8.01% | 8.10% | 7.88% | 8.08% | 8.23% | 8.47% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.86% | 109.54% | 103.25% | 104.95% | 102.69% | 109.29% | 110.38% | 111.15% | +620 bps | |
| Liquid Assets / Assets | 0.12% | 0.08% | 0.13% | 0.11% | 1.58% | 0.13% | 0.20% | 0.48% | +37 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |