Billings, MT · Cert 57248
FDIC
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Billings, MT · Cert 57248
FDIC
Q1 2012
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 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 1.30% | 1.29% | 1.02% | 1.16% | 1.29% | 1.22% | 1.17% | +16 bps | |
| Return on Equity | 9.72% | 9.49% | 9.84% | 8.96% | 10.13% | 11.25% | 10.65% | 10.26% | +130 bps | |
| Net Interest Margin | 3.33% | 3.16% | 2.94% | 2.79% | 2.87% | 2.81% | 2.71% | 2.58% | -21 bps | |
| Efficiency Ratio | 54.43% | 55.82% | 55.46% | 57.22% | 55.74% | 52.62% | 54.70% | 54.29% | -294 bps | |
| Non-Interest Burden | 1.44% | 1.43% | 1.26% | 1.29% | 1.25% | 1.06% | 1.12% | 1.01% | -28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.48% | 15.58% | 22.74% | 22.18% | 27.41% | 17.02% | 5.34% | 7.76% | -1,442 bps | |
| Loan Growth (YoY) | -9.31% | -3.16% | -5.38% | -10.61% | -12.04% | -12.95% | -10.88% | -4.97% | +564 bps | |
| Deposit Growth (YoY) | 18.88% | 24.96% | 14.37% | 11.06% | 18.89% | 5.05% | -4.58% | 4.81% | -625 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 | 0.38% | 0.31% | 0.69% | 0.43% | 0.44% | 0.33% | 0.31% | 0.41% | -2 bps | |
| Allowance / Loans | 2.75% | 2.70% | 2.49% | 2.73% | 2.71% | 2.66% | 2.68% | 2.72% | -1 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 | 16.70% | 16.28% | 16.56% | 16.79% | 16.92% | 16.92% | 17.07% | 17.02% | +23 bps | |
| Equity / Assets | 14.32% | 12.99% | 11.30% | 11.37% | 11.68% | 11.59% | 11.45% | 11.38% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.38% | 58.51% | 53.02% | 49.88% | 48.37% | 48.48% | 49.51% | 45.22% | -466 bps | |
| Liquid Assets / Assets | 0.01% | 0.02% | 1.67% | 0.21% | 0.10% | 0.21% | 0.01% | 0.13% | -7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |