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Montana State Hospital

Warm Springs, MT · Charter 63200

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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: NCUA 5300 Call Report, 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

Montana State Hospital

Warm Springs, MT · Charter 63200

Q1 2009

$742KAssets
$659KLoans
$741KShares
$-5KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -26.23%, down 2,365 bps year over year; NIM at 7.77%.
  • Asset quality: problem loans at 0.31% of loans (-117 bps YoY).
  • Capital: net worth / assets of -0.63%, down 783 bps from a year ago.
  • Funding: loans stand at 89.02% of shares as of Q1 2009.

Financial Results

Return on Assets (YTD, annualized)

-26.23%-2,365 bps YoY

Net Interest Margin (YTD, annualized)

7.77%0 bps YoY

Efficiency Ratio (YTD, annualized)

100.11%-2,222 bps YoY

Net Worth / Assets

-0.63%-783 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets-2.58%-2.66%-2.55%-3.09%-26.23%-2,365 bps
Return on Equity-35.84%-37.91%-35.66%-53.92%n/an/a
Net Interest Margin7.76%8.27%8.79%8.49%7.77%0 bps
Efficiency Ratio122.33%120.69%116.86%106.57%100.11%-2,222 bps
Growth
Asset Growth (YoY)-0.80%-7.08%-20.98%-19.61%-14.03%-1,323 bps
Loan Growth (YoY)4.74%-7.32%-17.82%-19.08%-17.16%-2,190 bps
Share Growth (YoY)-13.19%-13.02%-11.78%-13.57%6.66%+1,984 bps
Asset Quality
Delinquent Loans / Loans1.48%1.73%4.10%3.71%0.31%-117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.33%0.36%0.52%0.90%0.31%-1 bps
Capital
Risk-Based Capital7.19%7.02%7.16%5.72%-0.63%-783 bps
Net Worth / Assets7.19%7.02%7.16%5.72%-0.63%-783 bps
Liquidity & Funding
Loans / Shares114.61%110.79%103.79%113.78%89.02%-2,559 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps