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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

5.07%Q4 ’094.75%Q4 ’104.08%Q4 ’11-2%-11%

Non-interest income vs. expense

2.67%Q4 ’093.15%Q4 ’103.20%Q4 ’11+2%+28%

Executive Summary

  • Earnings: ROA of -1.42%, down 134 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 5.24%.
  • Funding: loans stand at 75.57% of deposits as of Q4 2011.

Financial Results

Return on Assets (quarter, annualized)

-1.42%-134 bps YoY

Net Interest Margin (quarter, annualized)

3.04%-39 bps YoY

Efficiency Ratio (quarter, annualized)

125.57%+4,046 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.07%0.31%0.24%-0.25%-1.42%-134 bps
Return on Equity-0.68%2.89%2.19%-2.27%-13.17%-1,249 bps
Net Interest Margin3.43%3.53%3.52%3.34%3.04%-39 bps
Efficiency Ratio85.11%69.01%75.33%89.29%125.57%+4,046 bps
Non-Interest Burden2.88%2.28%2.56%3.00%3.69%+81 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 / Loans2.08%0.95%1.01%1.85%5.24%+316 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