Saint Maries, ID · Cert 18379
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, 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.
Saint Maries, ID · Cert 18379
FDIC
Q4 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.19% | 1.11% | 1.17% | 1.09% | 1.16% | 0.25% | 0.37% | -81 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 14.71% | 15.50% | 2.70% | 3.54% | n/a | |
| Net Interest Margin | 4.10% | 3.93% | 3.86% | 3.90% | 4.41% | 4.54% | 0.98% | 1.74% | -216 bps | |
| Efficiency Ratio | 65.96% | 66.44% | 66.69% | 65.91% | 64.82% | 64.01% | 59.28% | 60.14% | -577 bps | |
| Non-Interest Burden | 2.50% | 2.40% | 2.36% | 2.35% | 2.66% | 2.69% | 0.53% | 0.96% | -139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.21% | 9.94% | 15.22% | 12.48% | 6.98% | 9.33% | 16.58% | 18.22% | +574 bps | |
| Loan Growth (YoY) | 15.99% | 22.36% | 23.26% | 21.00% | 23.51% | 12.04% | 9.82% | 10.93% | -1,007 bps | |
| Deposit Growth (YoY) | 17.05% | 13.79% | 13.46% | 8.16% | 6.54% | 6.78% | 8.86% | 11.10% | +294 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.03% | 0.17% | 0.25% | -0.05% | 0.00% | -0.01% | 0.12% | -14 bps | |
| Allowance / Loans | 1.12% | 0.98% | 0.91% | 0.87% | 0.95% | 0.92% | 1.05% | 1.30% | +43 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.24% | 10.47% | 10.19% | 10.44% | 10.41% | 10.02% | 10.78% | 11.08% | +64 bps | |
| Equity / Assets | 7.26% | 7.31% | 7.12% | 7.39% | 7.48% | 7.61% | 13.81% | 14.23% | +684 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.70% | 80.01% | 76.81% | 77.59% | 76.17% | 83.96% | 77.49% | 77.47% | -12 bps | |
| Liquid Assets / Assets | 1.51% | 1.48% | 1.38% | 0.94% | 0.74% | 0.33% | 0.26% | 1.40% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |