Pocatello, ID · Charter 24803
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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.
Pocatello, ID · Charter 24803
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | -1.27% | -2.31% | -2.42% | -8.88% | -955 bps | |
| Return on Equity | 6.42% | -13.31% | -26.84% | -28.44% | -136.95% | -14,338 bps | |
| Net Interest Margin | 5.10% | 5.06% | 5.26% | 5.49% | 4.79% | -31 bps | |
| Efficiency Ratio | 75.61% | 79.32% | 86.78% | 83.08% | 271% | +19,498 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 4.44% | 0.66% | -3.78% | -7.49% | -1,183 bps | |
| Loan Growth (YoY) | 14.65% | 10.10% | 8.98% | 0.02% | -4.18% | -1,883 bps | |
| Share Growth (YoY) | 6.53% | 7.03% | 4.00% | -0.55% | -3.68% | -1,021 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.15% | 5.28% | 3.10% | 4.92% | 6.95% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.95% | 1.56% | 2.36% | 2.81% | 2.75% | +180 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.51% | 9.55% | 8.61% | 8.50% | 6.48% | -403 bps | |
| Net Worth / Assets | 10.51% | 9.55% | 8.61% | 8.50% | 6.48% | -403 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.16% | 94.03% | 94.08% | 96.76% | 94.67% | -49 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |