Nampa, ID · Charter 17934
Q4 1999
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.52% | 4.63% | 4.96% | 4.95% | 4.30% | 4.03% | 3.53% | 0.03% | -492 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 | 3.29% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 113.52% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.22% | 12.01% | 6.56% | 1.22% | 8.04% | 2.89% | 10.70% | 9.00% | +778 bps | |
| Loan Growth (YoY) | 137.14% | 57.52% | -5.44% | -4.28% | -10.44% | -5.99% | -8.51% | -12.99% | -871 bps | |
| Share Growth (YoY) | 8.04% | 13.30% | 6.86% | -1.62% | 8.45% | 2.83% | 14.13% | 13.97% | +1,560 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.00% | 0.51% | 0.28% | 0.00% | 0.00% | 0.00% | 0.30% | +2 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 | 1.23% | 1.32% | 1.51% | 1.57% | 1.38% | 1.40% | 0.82% | 0.90% | -67 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 | 106.49% | 89.78% | 79.70% | 83.46% | 87.94% | 82.07% | 63.89% | 63.72% | -1,974 bps | |
| Liquid Assets / Assets | 11.89% | 23.97% | 31.51% | 28.24% | 21.98% | 21.58% | 30.88% | 36.76% | +851 bps | |