Boise, ID · Cert 34296
FDIC
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -1.60% | -1.54% | -1.35% | -1.83% | -1.51% | -1.42% | -1.50% | -14 bps | |
| Return on Equity | -13.69% | -40.20% | -39.81% | -35.94% | -56.41% | -48.70% | -48.19% | -53.81% | -1,787 bps | |
| Net Interest Margin | 3.71% | 3.58% | 3.65% | 3.67% | 3.43% | 3.59% | 3.60% | 3.58% | -9 bps | |
| Efficiency Ratio | 119.94% | 126.16% | 124.23% | 123.75% | 121.82% | 125.83% | 128.04% | 133.05% | +930 bps | |
| Non-Interest Burden | 4.55% | 4.62% | 4.64% | 4.62% | 4.29% | 4.63% | 4.73% | 4.86% | +24 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.89% | -15.15% | -13.52% | -13.48% | -19.19% | -14.13% | -14.20% | -10.22% | +327 bps | |
| Loan Growth (YoY) | -14.90% | -15.83% | -14.17% | -15.51% | -13.19% | -14.24% | -12.80% | -12.82% | +269 bps | |
| Deposit Growth (YoY) | -8.20% | -9.03% | -6.39% | -9.34% | -13.37% | -11.51% | -11.59% | -6.77% | +257 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 | 0.54% | 0.77% | 0.66% | 0.75% | 0.35% | 0.08% | 0.00% | -0.03% | -78 bps | |
| Allowance / Loans | 2.27% | 2.54% | 2.71% | 2.61% | 2.92% | 3.09% | 3.18% | 3.36% | +75 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 | 6.19% | 5.50% | 5.27% | 5.21% | 4.80% | 4.59% | 4.27% | 3.85% | -137 bps | |
| Equity / Assets | 4.00% | 3.75% | 3.43% | 3.38% | 3.09% | 2.82% | 2.49% | 2.05% | -133 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.52% | 90.14% | 87.74% | 87.86% | 87.71% | 87.36% | 86.54% | 82.16% | -570 bps | |
| Liquid Assets / Assets | 11.39% | 5.52% | 10.11% | 9.83% | 8.19% | 8.49% | 8.82% | 14.44% | +461 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |