Preston, ID · Cert 35588
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Preston, ID · Cert 35588
FDIC
Q4 2006
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 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.29% | 1.35% | 1.20% | 1.19% | 1.27% | 1.07% | 0.98% | -21 bps | |
| Return on Equity | 7.55% | 7.63% | 8.11% | 7.32% | 8.11% | 8.76% | 7.48% | 6.96% | -35 bps | |
| Net Interest Margin | 3.21% | 2.94% | 3.04% | 2.90% | 3.08% | 2.98% | 2.99% | 2.75% | -15 bps | |
| Efficiency Ratio | 47.83% | 46.90% | 45.52% | 48.28% | 50.95% | 47.04% | 55.12% | 56.96% | +868 bps | |
| Non-Interest Burden | 1.26% | 1.13% | 1.09% | 1.19% | 1.30% | 1.11% | 1.40% | 1.34% | +16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.27% | 21.26% | 9.05% | 20.36% | 19.24% | 12.42% | 14.87% | 16.44% | -392 bps | |
| Loan Growth (YoY) | 1.40% | 15.46% | 3.05% | 2.08% | -10.98% | -19.13% | -11.64% | -14.07% | -1,615 bps | |
| Deposit Growth (YoY) | 24.76% | 24.58% | 10.36% | 25.00% | 23.31% | 15.52% | 17.52% | 18.57% | -643 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.21% | 0.17% | 0.13% | +13 bps | |
| Allowance / Loans | 1.13% | 1.08% | 1.22% | 1.36% | 1.32% | 1.37% | 1.40% | 1.61% | +25 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 | 34.67% | 31.96% | 32.45% | 34.01% | 33.07% | 33.79% | 33.34% | 34.94% | +92 bps | |
| Equity / Assets | 16.66% | 16.22% | 15.97% | 15.39% | 14.01% | 14.06% | 13.91% | 13.47% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.62% | 53.19% | 46.67% | 41.23% | 37.27% | 37.24% | 35.09% | 29.88% | -1,135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |