East Helena, MT · Charter 7284
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.14% | 3.70% | 4.37% | 4.27% | 5.58% | 5.53% | 4.55% | -9.59% | -1,386 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 0.42% | -2.59% | -7.02% | -24.59% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 21.02% | -0.30% | -7.52% | -36.42% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -3.17% | -7.01% | -12.02% | -16.69% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.43% | 3.75% | 1.35% | 1.26% | 4.51% | 11.66% | 23.82% | +2,247 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 | 4.07% | 3.74% | 3.74% | 3.34% | 3.36% | 3.40% | 2.41% | 22.83% | +1,949 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 | 81.96% | 90.03% | 90.78% | 97.92% | 102.43% | 96.52% | 95.42% | 74.73% | -2,319 bps | |
| Liquid Assets / Assets | 28.73% | 24.03% | 18.72% | 12.43% | 14.20% | 18.74% | 18.08% | 32.96% | +2,053 bps | |