Idaho Falls, ID · Charter 508
Q3 1998
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.46% | 4.22% | 4.36% | 4.15% | 4.18% | 3.85% | 3.81% | 3.68% | -47 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.16% | 6.70% | 5.16% | 4.71% | 5.00% | 6.69% | 6.85% | 10.62% | +592 bps | |
| Loan Growth (YoY) | 13.26% | 14.00% | 9.29% | 7.89% | 5.03% | 4.35% | 2.60% | 0.91% | -698 bps | |
| Share Growth (YoY) | 7.60% | 6.02% | 5.59% | 4.26% | 4.58% | 6.52% | 6.81% | 10.79% | +652 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.18% | 1.37% | 1.32% | 1.26% | 1.36% | 1.30% | 1.25% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.74% | 0.89% | 0.99% | 0.98% | 1.06% | 1.08% | 1.04% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.51% | 75.05% | 76.51% | 77.35% | 77.84% | 73.53% | 73.48% | 70.46% | -690 bps | |
| Liquid Assets / Assets | 13.21% | 15.79% | 14.54% | 14.56% | 15.96% | 19.68% | 18.60% | 19.81% | +525 bps | |