Nampa, ID · Charter 67171
Q3 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2003, the quarter ended September 30, 2003, 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.
Nampa, ID · Charter 67171
Q3 2003
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.89% | 0.07% | 0.73% | 0.80% | 0.14% | -10.51% | -36.85% | -3,759 bps | |
| Return on Equity | 15.79% | 13.66% | 1.11% | 10.98% | 11.32% | 1.94% | -348% | n/a | n/a | |
| Net Interest Margin | 7.89% | 7.85% | 8.74% | 9.08% | 9.09% | 9.12% | 9.75% | 11.12% | +204 bps | |
| Efficiency Ratio | 74.20% | 71.25% | 68.16% | 66.97% | 66.65% | 67.66% | 81.86% | 102.96% | +3,599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.81% | 19.62% | 25.62% | 19.40% | 13.48% | 3.58% | -16.60% | -33.31% | -5,271 bps | |
| Loan Growth (YoY) | 10.95% | 22.59% | 13.20% | 6.35% | 0.34% | -16.64% | -28.18% | -45.26% | -5,160 bps | |
| Share Growth (YoY) | 9.37% | 17.82% | 26.23% | 21.63% | 13.03% | 4.19% | -13.81% | -16.31% | -3,793 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.90% | 6.92% | 9.72% | 6.25% | 12.57% | 22.37% | 19.34% | 7.37% | +113 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 | 1.85% | 2.81% | 2.98% | 2.18% | 2.50% | 2.44% | 3.50% | 15.92% | +1,374 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.54% | 6.54% | 6.10% | 6.67% | 7.04% | 7.28% | 3.02% | -17.19% | -2,386 bps | |
| Net Worth / Assets | 6.54% | 6.54% | 6.10% | 6.67% | 7.04% | 7.28% | 3.02% | -17.19% | -2,386 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.46% | 105.51% | 91.01% | 92.00% | 90.07% | 84.41% | 75.83% | 60.17% | -3,183 bps | |
| Liquid Assets / Assets | 1.59% | 0.36% | 10.03% | 11.04% | 12.06% | 18.02% | 22.05% | 33.78% | +2,275 bps | |