Kalispell, MT · Charter 63060
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.51% | 0.63% | 0.54% | 0.77% | 0.77% | 0.89% | 0.79% | +25 bps | |
| Return on Equity | 6.50% | 5.10% | 5.95% | 5.27% | 7.04% | 6.83% | 7.83% | 6.93% | +166 bps | |
| Net Interest Margin | 3.94% | 4.00% | 4.13% | 3.96% | 4.15% | 4.21% | 4.16% | 4.19% | +22 bps | |
| Efficiency Ratio | 84.07% | 86.70% | 81.73% | 83.42% | 79.46% | 80.33% | 79.58% | 81.81% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.02% | 15.85% | 8.34% | 10.27% | -3.86% | -3.86% | 0.42% | -2.32% | -1,259 bps | |
| Loan Growth (YoY) | 18.50% | 20.28% | 18.05% | 2.89% | -5.70% | -5.47% | -0.38% | 4.80% | +191 bps | |
| Share Growth (YoY) | 20.52% | 16.90% | 8.72% | 10.84% | -4.90% | -5.19% | -0.63% | -3.62% | -1,446 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.57% | 0.59% | 0.57% | 0.54% | 0.35% | 0.34% | 0.26% | -31 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 | 0.04% | 0.06% | 0.02% | 0.08% | 0.14% | 0.16% | 0.15% | 0.17% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.93% | 10.04% | 10.59% | 10.31% | 10.93% | 11.21% | 11.37% | 11.42% | +112 bps | |
| Net Worth / Assets | 9.93% | 10.04% | 10.59% | 10.31% | 10.93% | 11.21% | 11.37% | 11.42% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.90% | 97.17% | 100.12% | 92.77% | 96.08% | 96.88% | 100.37% | 100.87% | +811 bps | |
| Liquid Assets / Assets | 6.18% | 6.08% | 3.53% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |