Orofino, ID · Charter 66291
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.59% | 0.61% | 0.62% | 0.42% | 0.41% | 0.46% | 0.44% | -18 bps | |
| Return on Equity | 5.49% | 5.07% | 5.29% | 5.22% | 3.71% | 3.81% | 4.33% | 4.10% | -111 bps | |
| Net Interest Margin | 4.32% | 4.21% | 4.18% | 4.19% | 3.83% | 3.61% | 3.53% | 3.51% | -69 bps | |
| Efficiency Ratio | 83.45% | 82.35% | 81.73% | 81.29% | 83.99% | 83.24% | 81.65% | 82.27% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.50% | 9.77% | 8.94% | 7.63% | 7.32% | 12.04% | 14.37% | 15.39% | +775 bps | |
| Loan Growth (YoY) | 16.26% | 23.08% | 17.82% | 10.79% | 10.47% | 4.54% | 3.30% | 2.57% | -822 bps | |
| Share Growth (YoY) | 6.77% | 10.52% | 9.36% | 7.76% | 7.55% | 12.92% | 15.63% | 16.86% | +910 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.11% | 0.17% | 0.19% | 0.29% | 0.14% | 0.16% | 0.29% | +9 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 | 0.77% | 0.63% | 0.68% | 0.74% | 0.71% | 0.75% | 0.83% | 0.90% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.69% | 11.59% | 11.60% | 11.84% | 11.44% | 10.85% | 10.62% | 10.70% | -114 bps | |
| Net Worth / Assets | 11.69% | 11.59% | 11.60% | 11.84% | 11.44% | 10.85% | 10.62% | 10.70% | -114 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.60% | 99.11% | 98.27% | 97.48% | 94.09% | 91.75% | 87.80% | 85.56% | -1,193 bps | |
| Liquid Assets / Assets | 10.27% | 3.96% | 5.91% | 11.61% | 11.95% | 15.45% | 19.48% | 21.45% | +985 bps | |