Coeur D'Alene, ID · Cert 33844
FDIC
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.
Coeur D'Alene, ID · Cert 33844
FDIC
Q1 2012
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 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | -0.29% | -1.02% | -0.31% | -0.49% | -2.60% | -2.16% | 0.20% | +50 bps | |
| Return on Equity | 1.10% | -2.01% | -7.05% | -2.02% | -3.24% | -17.15% | -14.50% | 1.40% | +341 bps | |
| Net Interest Margin | 4.15% | 4.22% | 4.18% | 3.87% | 3.89% | 3.95% | 3.98% | 3.76% | -11 bps | |
| Efficiency Ratio | 68.30% | 66.33% | 66.65% | 66.28% | 68.53% | 71.50% | 78.11% | 80.56% | +1,428 bps | |
| Non-Interest Burden | 2.49% | 2.33% | 2.25% | 2.03% | 2.19% | 5.16% | 4.95% | 2.77% | +74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.37% | -6.27% | -0.45% | -5.30% | -4.02% | -7.20% | -3.59% | -6.16% | -86 bps | |
| Loan Growth (YoY) | -7.36% | -8.92% | -14.24% | -19.12% | -20.06% | -20.13% | -13.85% | -9.64% | +948 bps | |
| Deposit Growth (YoY) | 19.28% | 4.34% | -2.89% | -2.14% | -4.85% | -0.03% | 4.67% | 4.75% | +689 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 | 3.54% | 4.81% | 5.78% | 3.75% | 4.28% | 4.84% | 4.10% | 1.85% | -190 bps | |
| Allowance / Loans | 3.36% | 3.27% | 4.27% | 4.62% | 4.83% | 5.02% | 5.11% | 5.13% | +51 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 | 18.66% | 19.03% | 20.09% | 19.83% | 20.45% | 21.11% | 20.42% | 20.64% | +81 bps | |
| Equity / Assets | 15.08% | 15.21% | 15.26% | 15.03% | 15.46% | 14.76% | 14.10% | 14.41% | -62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 110.07% | 108.06% | 106.63% | 95.70% | 92.48% | 86.33% | 87.77% | 82.56% | -1,314 bps | |
| Liquid Assets / Assets | 0.00% | 0.05% | 0.67% | 1.15% | 0.86% | 1.12% | 0.98% | 2.34% | +119 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |