Pocatello, ID · Cert 34459
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 | 1.07% | 1.08% | 1.19% | 0.78% | 0.86% | 1.06% | 1.15% | 1.08% | +30 bps | |
| Return on Equity | 8.38% | 8.53% | 9.54% | 6.88% | 7.59% | 9.48% | 10.37% | 10.14% | +326 bps | |
| Net Interest Margin | 4.25% | 4.27% | 3.89% | 3.70% | 3.62% | 3.49% | 3.30% | 3.37% | -34 bps | |
| Efficiency Ratio | 51.94% | 53.94% | 54.67% | 55.24% | 52.80% | 51.79% | 51.54% | 52.28% | -296 bps | |
| Non-Interest Burden | 1.52% | 1.70% | 1.51% | 1.56% | 1.41% | 1.31% | 1.21% | 1.23% | -33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.98% | 10.99% | 19.55% | 23.60% | 16.54% | 26.84% | 24.72% | 15.82% | -779 bps | |
| Loan Growth (YoY) | -0.65% | 0.68% | 1.76% | -6.73% | -4.58% | -5.29% | -1.30% | 0.40% | +712 bps | |
| Deposit Growth (YoY) | 37.96% | 30.62% | 29.86% | 29.38% | 11.64% | 10.32% | 14.87% | 3.74% | -2,564 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 | 0.29% | 0.59% | 0.81% | 1.77% | 1.32% | 1.07% | 0.89% | 0.17% | -160 bps | |
| Allowance / Loans | 3.63% | 3.45% | 3.26% | 3.48% | 3.33% | 3.20% | 3.19% | 3.60% | +12 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 | 12.71% | 12.81% | 13.12% | 12.99% | 13.49% | 13.76% | 13.85% | 14.13% | +114 bps | |
| Equity / Assets | 12.31% | 12.43% | 11.82% | 10.89% | 11.42% | 10.89% | 10.54% | 10.73% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.11% | 84.53% | 81.44% | 69.32% | 67.62% | 72.57% | 69.98% | 67.08% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.08% | 0.22% | 1.26% | 0.01% | 0.00% | 0.01% | -21 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |