Boise, ID · Charter 2894
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Boise, ID · Charter 2894
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.79% | 0.85% | 0.85% | 1.09% | +46 bps | |
| Return on Equity | 6.81% | 8.00% | 8.47% | 8.41% | 11.28% | +446 bps | |
| Net Interest Margin | 3.11% | 3.22% | 3.20% | 3.12% | 2.77% | -34 bps | |
| Efficiency Ratio | 81.01% | 80.49% | 79.27% | 79.33% | 76.13% | -488 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.35% | 3.81% | 1.40% | 2.78% | 5.71% | -465 bps | |
| Loan Growth (YoY) | 13.63% | 19.50% | 10.44% | 10.03% | 9.00% | -462 bps | |
| Share Growth (YoY) | 10.74% | 3.34% | 1.03% | 2.38% | 5.55% | -518 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.08% | 0.11% | 0.11% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.61% | 0.70% | 0.74% | 0.67% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.22% | 9.83% | 10.05% | 10.09% | 9.63% | +41 bps | |
| Net Worth / Assets | 9.22% | 9.83% | 10.05% | 10.09% | 9.63% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.81% | 56.45% | 58.01% | 57.83% | 53.50% | +169 bps | |
| Liquid Assets / Assets | 21.44% | 0.00% | 0.00% | 0.00% | 0.00% | -2,144 bps | |