Twin Falls, ID · Cert 34555
FDIC
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.77% | 0.97% | 0.97% | 0.88% | 0.98% | 0.92% | 0.96% | -1 bps | |
| Return on Equity | 5.25% | 7.79% | 9.89% | 9.90% | 9.19% | 10.64% | 10.04% | 10.43% | +53 bps | |
| Net Interest Margin | 4.07% | 5.35% | 5.39% | 5.48% | 5.36% | 4.90% | 4.68% | 4.67% | -81 bps | |
| Efficiency Ratio | 79.42% | 72.58% | 70.28% | 71.17% | 73.66% | 72.38% | 75.29% | 74.66% | +349 bps | |
| Non-Interest Burden | 2.99% | 3.75% | 3.64% | 3.76% | 3.83% | 3.26% | 3.25% | 3.22% | -54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.05% | 17.28% | 15.85% | 11.20% | 22.54% | 12.58% | 13.64% | 19.10% | +790 bps | |
| Loan Growth (YoY) | 20.80% | 16.38% | 20.28% | 19.30% | 21.89% | 26.57% | 19.89% | 25.08% | +577 bps | |
| Deposit Growth (YoY) | 19.11% | 18.86% | 11.88% | 9.28% | 21.42% | 10.49% | 15.60% | 19.09% | +981 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 | 0.14% | 0.06% | 0.29% | 0.19% | 0.17% | -0.01% | -0.03% | -0.20% | -40 bps | |
| Allowance / Loans | 1.55% | 1.69% | 1.43% | 1.54% | 1.40% | 1.40% | 1.32% | 1.37% | -17 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 | 13.24% | 13.32% | 12.54% | 12.69% | 13.26% | 12.83% | 11.88% | 11.27% | -141 bps | |
| Equity / Assets | 9.89% | 9.76% | 9.64% | 10.00% | 8.70% | 9.69% | 9.25% | 9.35% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.96% | 81.57% | 91.75% | 94.70% | 85.29% | 93.45% | 95.15% | 99.46% | +476 bps | |
| Liquid Assets / Assets | 2.47% | 2.60% | 2.73% | 2.32% | 1.99% | 2.10% | 1.74% | 1.32% | -100 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |