Nampa, ID · Cert 28258
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Nampa, ID · Cert 28258
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24%1 | 0.20%1 | 0.18%1 | 0.19% | 0.22% | 0.29% | 0.34% | 0.19% | 0 bps | |
| Return on Equity | 1.69% | 1.42% | 1.23% | 1.25% | 1.48% | 1.95% | 2.28% | 1.35% | +10 bps | |
| Net Interest Margin | 4.27% | 4.37% | 4.35% | 3.89% | 4.06% | 4.08% | 4.21% | 3.94% | +5 bps | |
| Efficiency Ratio | 100.51% | 97.84% | 100.02% | 96.08% | 95.41% | 94.91% | 93.42% | 97.25% | +117 bps | |
| Non-Interest Burden | 4.35% | 4.33% | 4.41% | 3.79% | 3.93% | 3.92% | 3.98% | 3.88% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.85% | -9.84% | -5.90% | -4.34% | -5.40% | -3.42% | -3.91% | -9.69% | -536 bps | |
| Loan Growth (YoY) | -12.24% | -10.70% | -8.96% | -9.04% | -9.82% | -4.71% | -1.39% | -1.82% | +722 bps | |
| Deposit Growth (YoY) | -14.94% | -12.01% | -7.32% | -5.43% | -5.06% | -2.55% | -3.40% | -7.12% | -169 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 | 0.15% | 0.15% | -0.03% | -0.27% | 0.42% | 0.13% | 0.24% | -0.51% | -24 bps | |
| Allowance / Loans | 2.85% | 2.91% | 2.97% | 3.08% | 2.78% | 2.57% | 2.17% | 2.01% | -106 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 | 33.23% | 33.66% | 34.53% | 34.29% | 33.91% | 33.45% | 33.63% | 27.71% | -657 bps | |
| Equity / Assets | 14.65% | 15.06% | 15.16% | 15.01% | 14.89% | 14.77% | 14.97% | 13.06% | -195 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.13% | 49.69% | 49.07% | 47.01% | 47.62% | 48.59% | 50.09% | 49.69% | +268 bps | |
| Liquid Assets / Assets | 6.17% | 6.62% | 9.05% | 10.10% | 5.92% | 8.35% | 8.86% | 7.30% | -280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |