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Treasure State Bank

Missoula, MT · Cert 58454

FDIC · 1 branch

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Treasure State Bank

Missoula, MT · Cert 58454

FDIC · 1 branch

Q2 2016

$73.0MAssets
$55.4MLoans
$59.8MDeposits
$9.7MEquity
Loan mix
76%RE $32.4M21%C&I $9.0M3%Consumer $1.3MQ2 2015Q2 2016
Deposit mix
75%Interest-bearing $44.6M25%Noninterest $15.2MQ2 2015Q2 2016

NIM

4.02%Q2 ’143.68%Q2 ’153.74%Q2 ’16-5%+5%

Non-interest income vs. expense

3.31%Q2 ’143.37%Q2 ’153.85%Q2 ’16-17%+8%

Market Position · Missoula, MT · 2016 SOD (annual) · 2.8% share · #6 of 13 inst. · $0.1B of $2.1B

Executive Summary

  • Earnings: ROA of 0.41%, down 7 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.08%.
  • Capital: tier 1 leverage ratio of 11.09%, up 67 bps from a year ago.
  • Funding: loans stand at 92.55% of deposits as of Q2 2016.

Financial Results

Return on Assets (YTD, annualized)

0.41%-7 bps YoY

Net Interest Margin (YTD, annualized)

3.45%+17 bps YoY

Efficiency Ratio (YTD, annualized)

82.92%+235 bps YoY

Tier 1 Leverage Ratio

11.09%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.49%0.61%0.63%0.65%0.41%-7 bps
Return on Equity3.73%4.61%4.78%4.81%3.10%-64 bps
Net Interest Margin3.28%3.17%3.26%3.49%3.45%+17 bps
Efficiency Ratio80.57%77.15%76.40%75.77%82.92%+235 bps
Non-Interest Burden2.36%2.13%2.16%2.31%2.56%+20 bps
Growth
Asset Growth (YoY)3.37%3.42%-0.45%-0.64%2.66%-71 bps
Loan Growth (YoY)5.89%10.26%10.02%6.71%11.65%+575 bps
Deposit Growth (YoY)-0.41%-0.52%-1.80%-0.45%3.46%+387 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.13%-0.09%0.49%-0.13%-0.08%+6 bps
Allowance / Loans2.76%2.67%2.02%2.05%1.98%-78 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.42%10.31%10.52%11.10%11.09%+67 bps
Total Risk-Based Capital14.12%13.93%13.67%13.53%13.66%-46 bps
Equity / Assets13.22%13.51%13.37%13.47%13.33%+11 bps
Liquidity & Funding
Loans / Deposits85.76%89.76%92.08%91.43%92.55%+678 bps
Liquid Assets / Assets18.64%15.06%14.32%15.09%14.27%-437 bps
CRE / Total Capitaln/an/an/an/an/an/an/a