Trout Creek, MT · Charter 6177
Q4 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.10% | 4.56% | 4.76% | 3.84% | 1.95% | 2.68% | 2.64% | -0.26% | -410 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.13% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 92.64% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.30% | 5.13% | -3.78% | -1.20% | -11.80% | 6.36% | 2.34% | 20.08% | +2,129 bps | |
| Loan Growth (YoY) | 31.11% | 31.53% | 5.92% | -2.97% | -30.65% | -22.45% | -8.46% | -1.21% | +176 bps | |
| Share Growth (YoY) | 6.33% | 1.69% | -17.92% | -2.43% | -3.83% | 6.78% | 15.02% | 23.27% | +2,571 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.94% | 14.11% | 8.12% | 12.38% | 19.87% | 13.95% | 12.25% | 13.31% | +93 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.06% | 1.84% | 2.17% | 2.92% | 4.13% | 5.38% | 5.32% | 5.58% | +266 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.56% | 100.32% | 116.74% | 95.94% | 79.73% | 72.85% | 92.91% | 76.89% | -1,905 bps | |
| Liquid Assets / Assets | 7.29% | 7.98% | 3.94% | 6.01% | 17.21% | 30.69% | 12.73% | 0.00% | -601 bps | |