Twin Falls, ID · Charter 17290
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Twin Falls, ID · Charter 17290
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | -0.61% | -0.34% | -0.18% | -0.14% | -31 bps | |
| Return on Equity | 1.80% | -6.48% | -3.67% | -2.01% | -1.50% | -330 bps | |
| Net Interest Margin | 2.98% | 2.76% | 2.68% | 2.67% | 2.67% | -31 bps | |
| Efficiency Ratio | 98.71% | 117.35% | 111.91% | 106.59% | 104.95% | +624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.04% | 3.78% | 5.10% | 6.24% | 5.51% | -253 bps | |
| Loan Growth (YoY) | 3.65% | -3.70% | -3.91% | 4.79% | 3.26% | -39 bps | |
| Share Growth (YoY) | 7.79% | 4.85% | 6.85% | 7.04% | 7.11% | -68 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.68% | 0.00% | 0.00% | 0.00% | 0.03% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.15% | 0.07% | 0.05% | 0.05% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.76% | 9.39% | 9.40% | 9.16% | 9.12% | -65 bps | |
| Net Worth / Assets | 9.76% | 9.39% | 9.40% | 9.16% | 9.12% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.00% | 52.28% | 54.87% | 55.93% | 53.98% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |