Great Falls, MT · Cert 34970
FDIC
Q4 2006
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 | 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% | 1.16% | 1.23% | 1.23% | 1.02% | 1.12% | 1.15% | 1.14% | -9 bps | |
| Return on Equity | 13.66% | 14.49% | 15.35% | 15.32% | 12.78% | 13.95% | 14.25% | 14.00% | -132 bps | |
| Net Interest Margin | 3.84% | 3.80% | 3.69% | 3.69% | 3.63% | 3.52% | 3.51% | 3.49% | -20 bps | |
| Efficiency Ratio | 63.00% | 61.74% | 60.26% | 60.33% | 62.25% | 59.80% | 59.84% | 60.51% | +17 bps | |
| Non-Interest Burden | 2.06% | 1.93% | 1.75% | 1.76% | 1.86% | 1.66% | 1.64% | 1.65% | -10 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% | 0.11% | 0.07% | 0.06% | 0.00% | 0.01% | 0.01% | 0.01% | -5 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 |