Boise, ID · Charter 11451
Q4 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.39% | 5.39% | 2.55% | 2.29% | -5.64% | -1.23% | 3.16% | -2.13% | -442 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -8.78% | 3.51% | 5.15% | 9.97% | 6.53% | 2.63% | -89 bps | |
| Loan Growth (YoY) | n/a | n/a | 24.33% | 10.06% | 9.92% | 16.57% | 20.55% | 6.28% | -378 bps | |
| Share Growth (YoY) | n/a | n/a | -11.14% | 5.08% | 14.85% | 22.78% | 18.15% | 17.97% | +1,289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 7.39% | 0.52% | 7.63% | 2.69% | 16.80% | 3.61% | 3.04% | -459 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 | 0.92% | 1.33% | 0.16% | 1.76% | 1.80% | 2.13% | 1.39% | 8.88% | +712 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.92% | 97.98% | 103.06% | 100.79% | 96.59% | 93.02% | 105.15% | 90.80% | -999 bps | |
| Liquid Assets / Assets | 10.91% | 10.98% | 10.47% | 9.85% | 10.70% | 9.98% | 5.23% | 5.11% | -474 bps | |