Driggs, ID · Cert 58361
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.06% | -3.55% | 0.64% | 1.68% | 0.23% | 1.37% | 0.07% | -0.31% | -199 bps | |
| Return on Equity | n/a | -6.92% | 1.98% | 5.88% | 0.87% | 5.45% | 0.26% | -1.26% | -714 bps | |
| Net Interest Margin | 0.08% | 4.20% | 4.46% | 4.70% | 4.71% | 4.65% | 4.19% | 3.89% | -80 bps | |
| Efficiency Ratio | 1300% | 138.46% | 78.88% | 63.95% | 59.33% | 67.94% | 84.14% | 92.31% | +2,836 bps | |
| Non-Interest Burden | n/a | 5.85% | 3.42% | 2.78% | 2.49% | 2.95% | 3.41% | 3.54% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 273% | 43.19% | 27.55% | 25.22% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 810% | 41.18% | 16.33% | 11.17% | n/a | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | 2981% | 65.26% | 27.32% | 44.34% | n/a | |
| 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.18% | 0.37% | 0.37% | 0.44% | 1.03% | 1.18% | 1.24% | 1.39% | +94 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 | 207% | 42.32% | 33.40% | 30.41% | 25.16% | 27.01% | 25.87% | 26.03% | -437 bps | |
| Equity / Assets | 90.93% | 35.60% | 29.42% | 27.81% | 24.51% | 25.76% | 23.80% | 24.86% | -294 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 379% | 131.49% | 159.33% | 189.92% | 112.07% | 112.33% | 145.59% | 146.27% | -4,364 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 |