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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 10.29% | 0.55% | 0.42% | 0.85% | 0.71% | 0.65% | 0.19% | -23 bps | |
| Return on Equity | 7.24% | 86.52% | 4.27% | 3.20% | 6.33% | 5.29% | 4.81% | 1.41% | -180 bps | |
| Net Interest Margin | 3.26% | 3.13% | 3.23% | 3.25% | 3.24% | 3.39% | 3.49% | 3.50% | +25 bps | |
| Efficiency Ratio | 80.00% | 92.27% | 77.64% | 83.40% | 71.40% | 74.26% | 75.77% | 89.18% | +578 bps | |
| Non-Interest Burden | 2.48% | 2.84% | 2.23% | 2.43% | 1.80% | 2.14% | 2.31% | 2.86% | +43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.98% | 8.58% | 9.89% | 3.37% | 3.42% | -0.45% | -0.64% | 2.66% | -71 bps | |
| Loan Growth (YoY) | 4.32% | 6.04% | 6.34% | 5.89% | 10.26% | 10.02% | 6.71% | 11.65% | +575 bps | |
| Deposit Growth (YoY) | 4.53% | 6.34% | 7.07% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.75% | -0.09% | -0.62% | 0.35% | -0.02% | 2.23% | -0.13% | -0.02% | -38 bps | |
| Allowance / Loans | 2.84% | 2.76% | 2.82% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.97% | 10.42% | 10.31% | 10.52% | 11.10% | 11.09% | +67 bps | |
| Total Risk-Based Capital | 14.93% | 14.17% | 13.71% | 14.12% | 13.93% | 13.67% | 13.53% | 13.66% | -46 bps | |
| Equity / Assets | 10.84% | 12.91% | 12.99% | 13.22% | 13.51% | 13.37% | 13.47% | 13.33% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.99% | 82.19% | 85.30% | 85.76% | 89.76% | 92.08% | 91.43% | 92.55% | +678 bps | |
| Liquid Assets / Assets | 22.30% | 20.16% | 18.63% | 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 | n/a | n/a | n/a |