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Potlatch No 1

Lewiston, ID · Charter 2734

NCUA · 15 branches

Q4 2018

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Potlatch No 1

Lewiston, ID · Charter 2734

NCUA · 15 branches

Q4 2018

$1.1BAssets
$944.4MLoans
$994.8MShares
$105.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, up 14 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.50% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.59%, down 1 bps from a year ago.
  • Funding: loans stand at 94.93% of shares as of Q4 2018.

Return on Assets (YTD, annualized)

1.03%+14 bps YoY

Net Interest Margin (YTD, annualized)

3.13%+3 bps YoY

Efficiency Ratio (YTD, annualized)

65.69%-295 bps YoY

Net Worth / Assets

9.59%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets0.58%0.80%0.85%0.89%0.96%1.09%1.04%1.03%+14 bps
Return on Equity6.29%8.45%9.00%9.24%10.18%11.36%10.98%10.73%+149 bps
Net Interest Margin2.91%3.03%3.05%3.10%3.19%3.21%3.17%3.13%+3 bps
Efficiency Ratio72.95%69.36%69.41%68.64%68.76%66.13%66.36%65.69%-295 bps
Growth
Asset Growth (YoY)11.67%9.93%10.85%9.13%8.85%10.92%11.07%12.14%+301 bps
Loan Growth (YoY)12.56%14.06%16.15%17.61%16.31%14.83%9.55%7.35%-1,026 bps
Share Growth (YoY)12.10%10.23%10.57%8.35%8.84%11.24%11.40%12.81%+446 bps
Asset Quality
Delinquent Loans / Loans0.41%0.48%0.50%0.56%0.44%0.47%0.49%0.50%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.87%0.82%0.78%0.76%0.75%0.73%0.73%0.76%0 bps
Capital
Risk-Based Capital9.19%9.48%9.44%9.60%9.40%9.56%9.52%9.59%-1 bps
Net Worth / Assets9.19%9.48%9.44%9.60%9.40%9.56%9.52%9.59%-1 bps
Liquidity & Funding
Loans / Shares90.58%96.15%98.05%99.76%96.79%99.26%96.42%94.93%-483 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps