Boise, ID · Charter 6815
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.45% | -0.03% | -0.02% | 0.07% | 0.07% | 0.22% | 0.20% | +22 bps | |
| Return on Equity | 2.37% | 2.21% | -0.15% | -0.09% | 0.34% | 0.36% | 1.07% | 0.99% | +108 bps | |
| Net Interest Margin | 2.54% | 2.66% | 2.67% | 2.62% | 2.56% | 2.67% | 2.81% | 2.85% | +23 bps | |
| Efficiency Ratio | 86.18% | 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 / Loans | 0.58% | 0.35% | 0.16% | 0.09% | 0.32% | 0.24% | 0.26% | 0.56% | +47 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 | 0.22% | 0.17% | 0.19% | 0.20% | 0.21% | 0.18% | 0.14% | 0.09% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.57% | 20.17% | 20.05% | 20.11% | 19.73% | 20.38% | 20.23% | 19.95% | -16 bps | |
| Net Worth / Assets | 19.57% | 20.17% | 20.05% | 20.11% | 19.73% | 20.38% | 20.23% | 19.95% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.19% | 56.62% | 54.71% | 52.26% | 48.57% | 47.26% | 43.27% | 40.33% | -1,193 bps | |
| Liquid Assets / Assets | 47.18% | 47.22% | 48.28% | 53.92% | 55.01% | 56.66% | 59.88% | 61.57% | +765 bps | |