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Ravalli County Bank

Hamilton, MT · Cert 8310

FDIC

Q4 2011

$186.8MAssets
$104.4MLoans
$138.2MDeposits
$19.8MEquity
Loan mix
89%RE $86.5M9%C&I $9.2M2%Consumer $1.6MQ4 2010Q4 2011
Deposit mix
78%Interest-bearing $108.3M22%Noninterest $29.9MQ4 2010Q4 2011

NIM

5.62%Q4 ’094.97%Q4 ’104.43%Q4 ’11-8%-7%

Non-interest income vs. expense

2.71%Q4 ’092.96%Q4 ’102.90%Q4 ’11+8%+12%

Executive Summary

  • Earnings: ROA of -0.28%, down 55 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.34%.
  • Funding: loans stand at 75.57% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-0.28%-55 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-24 bps YoY

Efficiency Ratio (YTD, annualized)

86.21%+1,157 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets0.27%0.31%0.28%0.10%1-0.28%-55 bps
Return on Equity2.57%2.89%2.53%0.92%-2.59%-516 bps
Net Interest Margin3.55%3.53%3.54%3.46%3.31%-24 bps
Efficiency Ratio74.64%69.01%72.08%77.02%86.21%+1,157 bps
Non-Interest Burden2.55%2.28%2.43%2.61%2.85%+30 bps
Growth
Asset Growth (YoY)-3.67%-4.64%-5.69%-3.58%1.69%+536 bps
Loan Growth (YoY)-10.55%-10.71%-11.71%-15.55%-14.90%-435 bps
Deposit Growth (YoY)-2.45%-3.77%-5.19%-2.07%2.48%+493 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.49%0.95%0.99%1.33%2.34%+86 bps
Allowance / Loans2.63%2.80%2.92%3.25%2.88%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital17.92%18.52%18.58%18.84%18.81%+90 bps
Equity / Assets10.88%10.89%11.44%10.92%10.60%-29 bps
Liquidity & Funding
Loans / Deposits91.01%87.74%90.16%78.97%75.57%-1,543 bps
Liquid Assets / Assets9.33%10.95%4.51%10.22%11.01%+168 bps
CRE / Total Capitaln/an/an/an/an/an/an/a