Kalispell, MT · Cert 57534
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Kalispell, MT · Cert 57534
FDIC · 2 branches
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.73% | 0.76% | 0.75% | 3.32% | 2.12% | 1.68% | 1.45% | +70 bps | |
| Return on Equity | 4.85% | 5.26% | 5.37% | 5.21% | 21.93% | 13.91% | 10.93% | 9.41% | +421 bps | |
| Net Interest Margin | 3.48% | 3.66% | 3.81% | 3.84% | 4.10% | 4.06% | 3.95% | 3.97% | +13 bps | |
| Efficiency Ratio | 74.04% | 73.06% | 72.60% | 71.77% | 68.37% | 69.71% | 68.87% | 70.18% | -160 bps | |
| Non-Interest Burden | 2.45% | 2.53% | 2.62% | 2.64% | 2.68% | 2.70% | 2.59% | 2.60% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.99% | -7.45% | -12.00% | -4.12% | -1.57% | 2.71% | 6.47% | 5.81% | +993 bps | |
| Loan Growth (YoY) | -11.55% | -8.25% | 3.22% | 6.59% | 11.40% | 16.17% | 7.92% | 14.29% | +770 bps | |
| Deposit Growth (YoY) | -1.05% | -4.23% | -10.50% | -6.32% | -4.00% | -2.74% | 1.82% | 1.14% | +746 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 | -0.19% | -0.92% | -1.21% | -0.86% | -1.01% | -0.49% | -0.66% | -0.52% | +34 bps | |
| Allowance / Loans | 2.92% | 3.29% | 3.54% | 3.49% | 2.28% | 2.16% | 2.41% | 2.32% | -117 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 | 24.67% | 24.59% | 23.07% | 23.77% | 24.01% | 23.84% | 24.15% | 22.66% | -111 bps | |
| Equity / Assets | 13.63% | 14.49% | 15.03% | 15.04% | 15.23% | 15.53% | 15.52% | 15.64% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.17% | 89.59% | 99.85% | 98.86% | 96.51% | 107.01% | 105.84% | 111.71% | +1,286 bps | |
| Liquid Assets / Assets | 24.21% | 12.69% | 12.47% | 13.95% | 15.30% | 10.75% | 9.08% | 3.44% | -1,051 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |