Boise, ID · Cert 34317
FDIC · 4 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 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.
Boise, ID · Cert 34317
FDIC · 4 branches
Q2 2014
Market Position · Boise City, ID · 2014 SOD (annual) · 1.1% share · #15 of 21 inst. · $0.1B of $8.6B
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.34% | -0.26% | -0.31% | -0.09% | 0.06% | -0.50% | -0.35% | -5 bps | |
| Return on Equity | -10.69% | -10.32% | -8.03% | -9.57% | -2.74% | 1.98% | -14.63% | -10.35% | -78 bps | |
| Net Interest Margin | 3.41% | 3.43% | 3.12% | 3.09% | 3.07% | 3.10% | 2.93% | 2.96% | -13 bps | |
| Efficiency Ratio | 111.81% | 112.27% | 106.45% | 107.79% | 102.17% | 98.44% | 113.23% | 109.16% | +137 bps | |
| Non-Interest Burden | 3.92% | 3.90% | 3.38% | 3.40% | 3.16% | 3.03% | 3.44% | 3.31% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.83% | -15.27% | -11.22% | -8.70% | -10.45% | -5.72% | -4.34% | -7.89% | +81 bps | |
| Loan Growth (YoY) | -20.07% | -19.95% | -20.67% | -20.18% | -19.12% | -16.46% | -15.72% | -19.63% | +55 bps | |
| Deposit Growth (YoY) | -22.49% | -14.24% | -9.68% | -4.13% | -7.66% | -2.97% | -1.29% | -8.18% | -405 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 | 1.87% | 1.83% | 1.19% | 0.65% | 1.45% | 1.10% | 1.65% | 1.16% | +51 bps | |
| Allowance / Loans | 6.36% | 6.45% | 6.41% | 6.72% | 6.39% | 6.62% | 6.42% | 6.94% | +22 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 | 5.02% | 5.05% | 5.07% | 4.99% | 5.31% | 5.69% | 5.65% | 5.89% | +90 bps | |
| Equity / Assets | 3.24% | 3.28% | 3.19% | 3.09% | 3.27% | 3.49% | 3.29% | 3.45% | +35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.59% | 75.34% | 71.87% | 67.84% | 65.33% | 64.87% | 61.37% | 59.38% | -846 bps | |
| Liquid Assets / Assets | 16.35% | 16.22% | 18.62% | 18.37% | 16.87% | 20.08% | 23.49% | 26.43% | +806 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |