Missoula, MT · Cert 58454
FDIC · 1 branch
Q2 2016
Market Position · Missoula, MT · 2016 SOD (annual) · 2.8% share · #6 of 13 inst. · $0.1B of $2.1B
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.61% | 0.63% | 0.65% | 0.41% | -7 bps | |
| Return on Equity | 3.73% | 4.61% | 4.78% | 4.81% | 3.10% | -64 bps | |
| Net Interest Margin | 3.28% | 3.17% | 3.26% | 3.49% | 3.45% | +17 bps | |
| Efficiency Ratio | 80.57% | 77.15% | 76.40% | 75.77% | 82.92% | +235 bps | |
| Non-Interest Burden | 2.36% | 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 / Loans | 0.00% | 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 / Loans | 2.76% | 2.67% | 2.02% | 2.05% | 1.98% | -78 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.42% | 10.31% | 10.52% | 11.10% | 11.09% | +67 bps | |
| Total Risk-Based Capital | 14.12% | 13.93% | 13.67% | 13.53% | 13.66% | -46 bps | |
| Equity / Assets | 13.22% | 13.51% | 13.37% | 13.47% | 13.33% | +11 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.76% | 89.76% | 92.08% | 91.43% | 92.55% | +678 bps | |
| Liquid Assets / Assets | 18.64% | 15.06% | 14.32% | 15.09% | 14.27% | -437 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |