Pinehurst, ID · Charter 62766
Q1 2012
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.97% | 0.02% | 0.11% | -0.02% | 0.04% | -0.17% | -0.07% | -0.58% | -56 bps | |
| Return on Equity | -9.26% | 0.20% | 1.09% | -0.24% | 0.43% | -1.78% | -0.70% | -5.69% | -546 bps | |
| Net Interest Margin | 2.78% | 2.56% | 2.78% | 2.41% | 2.33% | 2.40% | 2.51% | 2.21% | -20 bps | |
| Efficiency Ratio | 146.36% | 96.01% | 91.47% | 100.94% | 98.31% | 106.73% | 101.31% | 125.87% | +2,493 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.09% | 3.81% | -3.85% | 9.42% | 8.61% | -0.47% | 5.02% | -8.87% | -1,830 bps | |
| Loan Growth (YoY) | -1.47% | -21.34% | -27.71% | -22.24% | 13.10% | 37.74% | 34.82% | 14.13% | +3,637 bps | |
| Share Growth (YoY) | 1.38% | 5.35% | -4.17% | 11.82% | 9.92% | -0.21% | 5.95% | -9.35% | -2,117 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | +13 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 | 2.58% | 2.29% | 2.62% | 2.90% | 2.16% | 1.90% | 2.11% | 2.63% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.44% | 9.59% | 10.33% | 9.73% | 9.37% | 9.35% | 9.54% | 10.21% | +48 bps | |
| Net Worth / Assets | 10.44% | 9.59% | 10.33% | 9.73% | 9.37% | 9.35% | 9.54% | 10.21% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.64% | 38.40% | 39.31% | 34.97% | 45.93% | 53.00% | 50.02% | 44.03% | +906 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |