Pocatello, ID · Charter 24803
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.66% | 1.17% | -0.46% | 0.67% | -1.27% | -2.31% | -2.42% | -8.88% | -955 bps | |
| Return on Equity | -5.63% | 10.02% | -4.16% | 6.42% | -13.31% | -26.84% | -28.44% | -136.95% | -14,338 bps | |
| Net Interest Margin | 4.72% | 5.31% | 5.26% | 5.10% | 5.06% | 5.26% | 5.49% | 4.79% | -31 bps | |
| Efficiency Ratio | 87.30% | 69.72% | 79.61% | 75.61% | 79.32% | 86.78% | 83.08% | 271% | +19,498 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.55% | 5.47% | 0.21% | 4.34% | 4.44% | 0.66% | -3.78% | -7.49% | -1,183 bps | |
| Loan Growth (YoY) | 15.21% | 14.04% | 16.91% | 14.65% | 10.10% | 8.98% | 0.02% | -4.18% | -1,883 bps | |
| Share Growth (YoY) | 20.95% | 6.26% | 0.56% | 6.53% | 7.03% | 4.00% | -0.55% | -3.68% | -1,021 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.33% | 5.42% | 5.58% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 0.57% | 0.64% | 0.95% | 1.56% | 2.36% | 2.81% | 2.75% | +180 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.67% | 11.71% | 11.17% | 10.51% | 9.55% | 8.61% | 8.50% | 6.48% | -403 bps | |
| Net Worth / Assets | 11.67% | 11.71% | 11.17% | 10.51% | 9.55% | 8.61% | 8.50% | 6.48% | -403 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.41% | 89.79% | 96.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |