Financial Highlights

Data shown on this page is extracted from the standardized SNL Interactive database. In certain instances variations can occur between SNL’s presentation and the Company’s presentation. This could potentially result in disclosure differences and repeated and/or disordered items.

Trend Analysis--Quarterly (click here for Annual Analysis)

For the definition of a financial field, click on the field name.

Balance Sheet ($000)
	2010 Q2	2009 Q2	Y-Y Ch (%)	2010 Q1	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	4,513,810	4,619,180	(2.28)	4,452,652	5.49
Loans Held for Sale, before Reserves	48,478	46,370	4.55	28,367	283.58
Loan Loss Reserve	114,328	98,395	16.19	106,349	30.01
Net Loans Receivable	4,447,960	4,567,155	(2.61)	4,374,670	6.70
Intangible Assets	193,345	195,284	(0.99)	193,785	(0.91)
Total Assets	7,225,376	6,776,918	6.62	7,215,640	0.54
Deposits	5,802,322	5,525,315	5.01	5,788,382	0.96
Debt, Senior and Subordinated	622,683	630,184	(1.19)	630,153	(4.74)
Common Equity	690,188	503,868	36.98	682,567	4.47
Total Shareholders' Equity	740,188	553,868	33.64	732,567	4.16
Shares Outstanding (actual)	42,803,349	31,299,568	36.75	42,776,940	0.25

Income Statement ($000)
	2010 Q2	2009 Q2	Y-Y Ch (%)	2010 Q1	Q-Q Ch (%)^†
Net Interest Income	63,176	59,190	6.73	61,669	9.77
Provision for Loan Losses	19,500	11,700	66.67	11,900	255.46
Noninterest Income	21,022	27,262	(22.89)	19,481	31.64
Noninterest Expense	55,426	51,627	7.36	52,745	20.33
Net Income Before Taxes	9,287	20,020	(53.61)	16,532	(175.30)
Provision for Taxes	2,628	6,684	(60.68)	5,402	(205.41)
Net Income	6,659	13,336	(50.07)	11,130	(160.68)

Per Share Items ($)
	2010 Q2	2009 Q2	Y-Y Ch (%)	2010 Q1	Q-Q Ch (%)^†
Book Value per Share	16.12	16.10	0.16	15.96	4.22
Tangible Book Value	11.61	9.86	17.74	11.43	6.35
Diluted EPS Before Extra	0.14	0.39	(64.10)	0.32	(225.00)
Diluted EPS After Extra	0.14	0.39	(64.10)	0.32	(225.00)
Dividends Declared	0.1125	0.1125	0.00	0.1125	0.00

Performance Ratios (%)
	2010 Q2	2009 Q2	Y-Y Ch (bp)	2010 Q1	Q-Q Ch (bp)
ROAA	0.37	0.80	(43)	0.64	(27)
ROAE	3.64	9.70	(605)	7.66	(402)
Net Interest Margin	3.96	4.04	(8)	4.00	(4)
Loans / Deposits	77.79	83.60	(581)	76.92	87
Efficiency Ratio	65.82	63.31	251	64.98	84

Balance Sheet Ratios (%)
	2010 Q2	2009 Q2	Y-Y Ch (bp)	2010 Q1	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.78	5.45	233	7.67	10
Equity/ Assets	10.24	8.17	207	10.15	9

Asset Quality Ratios (%)
	2010 Q2	2009 Q2	Y-Y Ch (bp)	2010 Q1	Q-Q Ch (bp)
Nonperforming Assets/ Assets	2.77	2.47	30	2.45	32
Loan Loss Reserves/ Gross Loans	2.51	2.11	40	2.37	13
Loan Loss Reserves/ NPAs	59.28	64.18	(490)	61.14	(186)
Net Charge-offs/ Avg Loans	1.02	0.47	55	0.76	26

Regulatory Capital Ratios (%)
	2010 Q2	2009 Q2	Y-Y Ch (bp)	2010 Q1	Q-Q Ch (bp)
Tier 1 Capital Ratio	12.87	9.19	368	13.04	(17)

^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

*	Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Copyright 2010, © SNL Financial LC Terms of Use

First Interstate Bank

Information Options

Financial Highlights