Boise, ID · Charter 64976
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Boise, ID · Charter 64976
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | 0.30% | 0.65% | 1.53% | 1.67% | 1.57% | 1.44% | 1.31% | -22 bps | |
| Return on Equity | -1.09% | 3.81% | 6.98% | 14.94% | 13.31% | 11.24% | 9.85% | 8.94% | -599 bps | |
| Net Interest Margin | 1.09% | 1.58% | 2.04% | 2.94% | 3.51% | 3.51% | 3.45% | 3.47% | +52 bps | |
| Efficiency Ratio | 106.87% | 80.83% | 68.35% | 48.23% | 52.33% | 55.37% | 58.35% | 62.27% | +1,404 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | -7.63% | -15.89% | -17.05% | -36.38% | -35.07% | -29.68% | -23.77% | -673 bps | |
| Loan Growth (YoY) | -19.43% | -17.12% | -6.14% | -7.23% | -8.67% | -18.03% | -24.19% | -13.71% | -648 bps | |
| Share Growth (YoY) | 7.85% | -8.52% | -17.72% | -19.41% | -40.27% | -39.33% | -33.86% | -27.54% | -813 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 0.86% | 0.01% | 0.01% | 1.52% | 3.07% | 4.12% | 3.88% | +387 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 | 1.46% | 1.40% | 1.40% | 1.52% | 1.59% | 1.71% | 1.84% | 1.76% | +24 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.91% | 7.95% | 9.27% | 10.23% | 12.58% | 13.97% | 14.62% | 14.65% | +443 bps | |
| Net Worth / Assets | 6.91% | 7.95% | 9.27% | 10.23% | 12.58% | 13.97% | 14.62% | 14.65% | +443 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.94% | 37.32% | 42.39% | 41.97% | 48.84% | 50.43% | 48.58% | 49.97% | +801 bps | |
| Liquid Assets / Assets | 68.75% | 64.02% | 59.74% | 60.41% | 55.45% | 54.70% | 56.94% | 55.89% | -451 bps | |