Post Falls, ID · Cert 58576
FDIC · 3 branches
Q1 2019
Market Position · Coeur d'Alene, ID · 2018 SOD (annual) · 3.5% share · #7 of 15 inst. · $0.1B of $3.3B
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.59% | 0.65% | 0.82% | 0.84% | 0.91% | 0.92% | 0.85% | +3 bps | |
| Return on Equity | 5.04% | 5.55% | 6.18% | 7.96% | 8.14% | 8.80% | 8.68% | 7.45% | -51 bps | |
| Net Interest Margin | 3.51% | 3.48% | 3.45% | 3.69% | 3.76% | 3.81% | 3.91% | 4.22% | +53 bps | |
| Efficiency Ratio | 78.27% | 75.57% | 72.90% | 69.42% | 69.33% | 67.41% | 68.54% | 74.63% | +521 bps | |
| Non-Interest Burden | 2.69% | 2.56% | 2.45% | 2.47% | 2.52% | 2.48% | 2.59% | 3.08% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.39% | 16.85% | 19.03% | 13.21% | 12.31% | 7.46% | 1.52% | -3.26% | -1,647 bps | |
| Loan Growth (YoY) | 18.80% | 22.40% | 14.75% | 17.71% | 9.34% | 1.12% | 6.58% | 5.23% | -1,249 bps | |
| Deposit Growth (YoY) | 6.67% | 17.74% | 19.87% | 13.22% | 12.31% | 7.25% | 0.53% | -4.82% | -1,804 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% | -0.01% | -0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.27% | 1.25% | 1.36% | 1.43% | 1.44% | 1.49% | 1.47% | 1.50% | +6 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 | 10.62% | 10.42% | 10.23% | 10.42% | 10.52% | 10.61% | 10.89% | 11.67% | +125 bps | |
| Total Risk-Based Capital | 17.77% | 17.17% | 17.01% | 17.71% | 17.80% | 18.30% | 18.87% | 19.52% | +181 bps | |
| Equity / Assets | 10.49% | 10.28% | 10.53% | 10.21% | 10.38% | 10.34% | 11.33% | 11.63% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.61% | 70.98% | 69.49% | 66.01% | 67.76% | 66.92% | 73.67% | 72.98% | +697 bps | |
| Liquid Assets / Assets | 27.69% | 27.85% | 29.14% | 31.83% | 30.33% | 30.97% | 25.10% | 26.37% | -546 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |