Hamilton, MT · Cert 8310
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Hamilton, MT · Cert 8310
FDIC
Q4 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.36% | 0.38% | 0.27% | 0.31% | 0.28% | 0.10%1 | -0.28% | -55 bps | |
| Return on Equity | 3.64% | 3.52% | 3.66% | 2.57% | 2.89% | 2.53% | 0.92% | -2.59% | -516 bps | |
| Net Interest Margin | 3.56% | 3.57% | 3.54% | 3.55% | 3.53% | 3.54% | 3.46% | 3.31% | -24 bps | |
| Efficiency Ratio | 67.48% | 72.16% | 71.45% | 74.64% | 69.01% | 72.08% | 77.02% | 86.21% | +1,157 bps | |
| Non-Interest Burden | 2.25% | 2.46% | 2.40% | 2.55% | 2.28% | 2.43% | 2.61% | 2.85% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.47% | -3.78% | -0.95% | -3.67% | -4.64% | -5.69% | -3.58% | 1.69% | +536 bps | |
| Loan Growth (YoY) | -10.01% | -8.64% | -6.39% | -10.55% | -10.71% | -11.71% | -15.55% | -14.90% | -435 bps | |
| Deposit Growth (YoY) | 0.95% | -5.92% | -1.93% | -2.45% | -3.77% | -5.19% | -2.07% | 2.48% | +493 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.93% | 1.18% | 1.23% | 1.49% | 0.95% | 0.99% | 1.33% | 2.34% | +86 bps | |
| Allowance / Loans | 2.82% | 2.69% | 2.70% | 2.63% | 2.80% | 2.92% | 3.25% | 2.88% | +25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 16.46% | 17.06% | 17.40% | 17.92% | 18.52% | 18.58% | 18.84% | 18.81% | +90 bps | |
| Equity / Assets | 10.13% | 10.50% | 10.46% | 10.88% | 10.89% | 11.44% | 10.92% | 10.60% | -29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.55% | 96.81% | 91.58% | 91.01% | 87.74% | 90.16% | 78.97% | 75.57% | -1,543 bps | |
| Liquid Assets / Assets | 10.94% | 10.16% | 11.84% | 9.33% | 10.95% | 4.51% | 10.22% | 11.01% | +168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |