Great Falls, MT · Charter 5155
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Great Falls, MT · Charter 5155
Q4 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.28% | -0.07% | 0.17% | 0.67% | 0.60% | 0.70% | 0.77% | +60 bps | |
| Return on Equity | -10.99% | -3.75% | -0.96% | 2.08% | 8.51% | 7.50% | 8.72% | 9.60% | +752 bps | |
| Net Interest Margin | 4.03% | 4.08% | 4.19% | 4.20% | 4.02% | 4.01% | 3.95% | 3.86% | -34 bps | |
| Efficiency Ratio | 90.21% | 88.72% | 87.84% | 86.21% | 83.95% | 84.13% | 83.24% | 82.86% | -335 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.72% | -1.37% | -3.51% | -0.22% | 2.71% | 2.85% | 5.85% | 9.61% | +983 bps | |
| Loan Growth (YoY) | -0.04% | 6.00% | 5.47% | 7.72% | 11.00% | 4.51% | 1.57% | -3.24% | -1,095 bps | |
| Share Growth (YoY) | -4.91% | -4.46% | -3.63% | -4.69% | 2.28% | 5.87% | 5.42% | 14.23% | +1,892 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.51% | 0.49% | 0.48% | 0.39% | 0.47% | 0.44% | 0.37% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.78% | 0.81% | 0.76% | 0.72% | 0.69% | 0.64% | 0.57% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.49% | 7.59% | 7.76% | 7.93% | 7.82% | 7.97% | 8.07% | 8.00% | +7 bps | |
| Net Worth / Assets | 7.49% | 7.59% | 7.76% | 7.93% | 7.82% | 7.97% | 8.07% | 8.00% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.93% | 93.84% | 93.96% | 100.07% | 93.25% | 92.63% | 90.53% | 84.77% | -1,530 bps | |
| Liquid Assets / Assets | 8.69% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |