Coeur D'Alene, ID · Cert 33845
FDIC · 11 branches
Q1 2019
Market Position · Boise City, ID · 2018 SOD (annual) · 3.5% share · #8 of 20 inst. · $0.4B of $11.2B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.68% | 0.46% | 0.82% | 0.94% | 1.04% | 1.39% | 1.63% | +81 bps | |
| Return on Equity | 6.08% | 6.90% | 4.66% | 8.57% | 9.85% | 10.81% | 14.31% | 15.21% | +664 bps | |
| Net Interest Margin | 3.20% | 3.29% | 3.30% | 3.73% | 3.58% | 3.59% | 3.64% | 4.03% | +31 bps | |
| Efficiency Ratio | 77.21% | 74.98% | 74.23% | 72.05% | 69.80% | 68.70% | 63.21% | 60.20% | -1,185 bps | |
| Non-Interest Burden | 2.25% | 2.22% | 2.20% | 2.45% | 2.22% | 2.18% | 1.88% | 2.08% | -37 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.00% | 11.32% | 11.97% | 4.85% | 9.55% | 8.17% | 7.77% | 4.11% | -74 bps | |
| Loan Growth (YoY) | 13.43% | 18.29% | 12.70% | 10.90% | 2.21% | -0.25% | -2.09% | -4.91% | -1,581 bps | |
| Deposit Growth (YoY) | 13.01% | 11.61% | 12.88% | 5.09% | 10.19% | 9.62% | 6.47% | 2.71% | -238 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.01% | 0.20% | 0.18% | 0.18% | 0.11% | 0.10% | -10 bps | |
| Net Charge-Offs / Loans | -0.09% | -0.07% | -0.11% | 0.58% | 0.22% | 0.14% | 0.12% | 0.01% | -57 bps | |
| Allowance / Loans | 1.78% | 1.71% | 1.78% | 1.69% | 1.75% | 1.73% | 1.76% | 1.81% | +12 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 326.1x | 8.5x | 9.7x | 9.8x | 15.4x | 18.3x | +9.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.82% | 9.90% | 9.59% | 9.94% | 9.74% | 10.10% | 10.53% | 11.26% | +132 bps | |
| Total Risk-Based Capital | 15.46% | 15.58% | 15.70% | 16.11% | 16.64% | 17.47% | 18.77% | 20.16% | +405 bps | |
| Equity / Assets | 9.90% | 9.74% | 9.51% | 9.62% | 9.47% | 9.76% | 10.31% | 11.08% | +146 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.95% | 64.37% | 63.26% | 62.45% | 59.32% | 58.57% | 58.17% | 57.81% | -463 bps | |
| Liquid Assets / Assets | 26.96% | 27.84% | 30.55% | 31.20% | 32.79% | 34.03% | 37.07% | 37.06% | +586 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |