Butte, MT · Charter 9741
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.62% | 0.64% | 0.62% | 0.41% | 0.38% | 0.41% | 0.33% | -29 bps | |
| Return on Equity | 3.38% | 4.25% | 4.29% | 4.09% | 2.76% | 2.50% | 2.61% | 2.14% | -196 bps | |
| Net Interest Margin | 2.57% | 2.56% | 2.59% | 2.61% | 2.45% | 2.47% | 2.49% | 2.48% | -13 bps | |
| Efficiency Ratio | 83.91% | 80.03% | 79.62% | 80.59% | 82.33% | 82.84% | 82.45% | 83.48% | +289 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.30% | -0.23% | 0.77% | 1.18% | 1.33% | 0.03% | -1.25% | -0.40% | -157 bps | |
| Loan Growth (YoY) | 17.32% | 11.54% | 7.54% | 5.09% | -2.46% | -4.49% | -3.52% | -3.48% | -858 bps | |
| Share Growth (YoY) | -0.37% | -1.12% | 0.25% | 0.60% | 0.37% | -0.50% | -1.95% | -0.97% | -157 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.08% | 1.16% | 0.62% | 0.45% | 0.27% | 1.48% | 2.93% | +231 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 | 0.60% | 0.59% | 0.59% | 0.58% | 0.62% | 0.50% | 0.55% | 0.39% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.52% | 14.64% | 14.91% | 15.14% | 14.92% | 15.13% | 15.54% | 15.53% | +39 bps | |
| Net Worth / Assets | 14.52% | 14.64% | 14.91% | 15.14% | 14.92% | 15.13% | 15.54% | 15.53% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.98% | 50.81% | 50.76% | 51.49% | 48.57% | 48.77% | 49.95% | 50.19% | -131 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |