Coeur D'Alene, ID · Charter 60902
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Coeur D'Alene, ID · Charter 60902
Q1 2015
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.16% | -0.09% | 0.14% | 0.20% | 0.18% | 0.22% | 0.06% | -8 bps | |
| Return on Equity | -3.29% | -2.44% | -1.49% | 2.17% | 3.01% | 2.71% | 3.14% | 0.83% | -134 bps | |
| Net Interest Margin | 3.08% | 3.13% | 3.15% | 3.19% | 3.25% | 3.14% | 3.25% | 3.17% | -1 bps | |
| Efficiency Ratio | 92.31% | 90.85% | 92.68% | 96.38% | 94.92% | 95.34% | 93.70% | 96.25% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.26% | 1.23% | 4.06% | -4.57% | -3.45% | -1.37% | -5.39% | -2.58% | +199 bps | |
| Loan Growth (YoY) | 15.87% | 23.52% | 16.80% | 14.38% | 10.93% | 5.38% | 6.74% | 7.38% | -700 bps | |
| Share Growth (YoY) | -2.11% | 1.55% | 4.48% | -4.94% | -3.79% | -1.64% | -5.99% | -2.95% | +199 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.23% | 0.47% | 0.27% | 0.51% | 0.15% | 0.71% | 0.16% | -11 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 | 0.27% | 0.34% | 0.34% | 0.26% | 0.24% | 0.16% | 0.18% | 0.15% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.41% | 6.39% | 6.37% | 6.48% | 6.75% | 6.64% | 6.94% | 6.84% | +36 bps | |
| Net Worth / Assets | 6.41% | 6.39% | 6.37% | 6.48% | 6.75% | 6.64% | 6.94% | 6.84% | +36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.84% | 68.42% | 68.78% | 71.52% | 73.60% | 73.30% | 78.09% | 79.13% | +761 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |