Helena, MT · Charter 8096
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Helena, MT · Charter 8096
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.23% | 0.75% | 0.38% | 0.63% | 0.48% | -1.33% | -0.24% | 0.05% | -59 bps | |
| Return on Equity | -1.95% | 6.41% | 3.18% | 5.47% | 4.37% | -12.03% | -2.09% | 0.37% | -510 bps | |
| Net Interest Margin | 3.58% | 4.55% | 4.83% | 4.67% | 4.54% | 4.84% | 4.83% | 4.98% | +31 bps | |
| Efficiency Ratio | 103.75% | 84.98% | 81.29% | 77.20% | 76.72% | 73.20% | 68.54% | 68.35% | -885 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.83% | 0.15% | 1.15% | 2.96% | 11.01% | 6.89% | 6.47% | -4.14% | -710 bps | |
| Loan Growth (YoY) | 26.84% | 63.90% | 69.88% | 26.44% | 16.16% | -1.69% | -3.89% | -13.34% | -3,979 bps | |
| Share Growth (YoY) | -1.33% | 0.65% | 1.46% | 3.18% | 12.47% | 8.27% | 7.64% | -4.47% | -765 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.32% | 0.95% | 1.07% | 0.83% | 1.03% | 1.54% | 2.22% | +115 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 | 0.38% | 0.34% | 0.48% | 0.31% | 0.30% | 0.80% | 0.80% | 0.80% | +49 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.72% | 11.77% | 12.03% | 11.59% | 11.06% | 11.08% | 11.53% | 12.18% | +59 bps | |
| Net Worth / Assets | 11.72% | 11.77% | 12.03% | 11.59% | 11.06% | 11.08% | 11.53% | 12.18% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.60% | 80.22% | 82.20% | 81.83% | 76.02% | 72.84% | 73.40% | 74.24% | -760 bps | |
| Liquid Assets / Assets | 29.25% | 22.39% | 22.14% | 19.88% | 22.54% | 27.72% | 29.80% | 25.47% | +559 bps | |