Boise, ID · Charter 554
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.51% | -0.49% | -0.21% | -0.20% | -0.02% | 0.05% | 0.35% | +55 bps | |
| Return on Equity | -4.99% | -4.10% | -4.00% | -1.77% | -1.71% | -0.21% | 0.47% | 3.01% | +478 bps | |
| Net Interest Margin | 1.77% | 1.82% | 1.82% | 1.75% | 1.74% | 1.76% | 1.75% | 1.73% | -2 bps | |
| Efficiency Ratio | 122.01% | 117.61% | 117.31% | 107.58% | 109.85% | 102.20% | 99.45% | 85.87% | -2,170 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 5.96% | 6.91% | 7.37% | 5.57% | 6.99% | 6.81% | 1.78% | -559 bps | |
| Loan Growth (YoY) | 5.60% | 5.84% | -1.09% | -3.94% | -6.67% | 10.29% | 12.89% | 13.27% | +1,721 bps | |
| Share Growth (YoY) | 8.25% | 7.50% | 8.60% | 8.94% | 7.20% | 8.45% | 8.04% | 2.11% | -683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.06% | 0.06% | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | -2 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 | 0.38% | 0.40% | 0.50% | 0.46% | 0.34% | 0.35% | 0.22% | 0.22% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.53% | 12.46% | 12.24% | 11.57% | 11.60% | 11.57% | 11.52% | 11.56% | -1 bps | |
| Net Worth / Assets | 12.53% | 12.46% | 12.24% | 11.57% | 11.60% | 11.57% | 11.52% | 11.56% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.20% | 20.05% | 19.37% | 17.99% | 17.58% | 20.40% | 20.24% | 19.96% | +197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |