Twin Falls, ID · Charter 17290
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | 0.08% | 0.20% | 0.18% | -0.61% | -0.34% | -0.18% | -0.14% | -31 bps | |
| Return on Equity | -1.58% | 0.83% | 2.01% | 1.80% | -6.48% | -3.67% | -2.01% | -1.50% | -330 bps | |
| Net Interest Margin | 3.04% | 3.11% | 3.06% | 2.98% | 2.76% | 2.68% | 2.67% | 2.67% | -31 bps | |
| Efficiency Ratio | 109.38% | 104.78% | 99.32% | 98.71% | 117.35% | 111.91% | 106.59% | 104.95% | +624 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.58% | 7.64% | 8.43% | 8.04% | 3.78% | 5.10% | 6.24% | 5.51% | -253 bps | |
| Loan Growth (YoY) | 0.72% | 4.36% | 0.73% | 3.65% | -3.70% | -3.91% | 4.79% | 3.26% | -39 bps | |
| Share Growth (YoY) | 10.13% | 8.56% | 9.01% | 7.79% | 4.85% | 6.85% | 7.04% | 7.11% | -68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.14% | 0.14% | 0.14% | 0.15% | 0.07% | 0.05% | 0.05% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.67% | 9.92% | 9.85% | 9.76% | 9.39% | 9.40% | 9.16% | 9.12% | -65 bps | |
| Net Worth / Assets | 9.67% | 9.92% | 9.85% | 9.76% | 9.39% | 9.40% | 9.16% | 9.12% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.93% | 61.02% | 57.13% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |