PackageTrendsPeer
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I N G

Boise, ID · Charter 6815

Q2 2005

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2005, the quarter ended June 30, 2005, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

I N G

Boise, ID · Charter 6815

Q2 2005

$16.7MAssets
$5.4MLoans
$13.3MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.20%, up 22 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.56% of loans (+47 bps YoY).
  • Capital: net worth / assets of 19.95%, down 16 bps from a year ago.
  • Funding: loans stand at 40.33% of shares as of Q2 2005.

Return on Assets (YTD, annualized)

0.20%+22 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+23 bps YoY

Efficiency Ratio (YTD, annualized)

96.31%-330 bps YoY

Net Worth / Assets

19.95%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.46%0.45%-0.03%-0.02%0.07%0.07%0.22%0.20%+22 bps
Return on Equity2.37%2.21%-0.15%-0.09%0.34%0.36%1.07%0.99%+108 bps
Net Interest Margin2.54%2.66%2.67%2.62%2.56%2.67%2.81%2.85%+23 bps
Efficiency Ratio86.18%86.80%98.76%99.62%97.02%96.64%95.89%96.31%-330 bps
Growth
Asset Growth (YoY)2.03%0.14%-1.02%-2.81%-0.08%-0.66%-0.19%1.70%+451 bps
Loan Growth (YoY)25.72%25.00%27.55%21.61%-13.67%-17.26%-21.25%-21.49%-4,310 bps
Share Growth (YoY)2.24%-0.16%-1.46%-3.66%-0.13%-0.87%-0.42%1.74%+539 bps
Asset Quality
Delinquent Loans / Loans0.58%0.35%0.16%0.09%0.32%0.24%0.26%0.56%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.22%0.17%0.19%0.20%0.21%0.18%0.14%0.09%-11 bps
Capital
Risk-Based Capital19.57%20.17%20.05%20.11%19.73%20.38%20.23%19.95%-16 bps
Net Worth / Assets19.57%20.17%20.05%20.11%19.73%20.38%20.23%19.95%-16 bps
Liquidity & Funding
Loans / Shares56.19%56.62%54.71%52.26%48.57%47.26%43.27%40.33%-1,193 bps
Liquid Assets / Assets47.18%47.22%48.28%53.92%55.01%56.66%59.88%61.57%+765 bps