Pocatello, ID · Charter 68360
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.24% | -0.36% | 0.31% | 0.21% | -0.16% | 1.08% | 0.80% | +50 bps | |
| Return on Equity | 4.06% | 1.64% | -2.50% | 2.12% | 1.43% | -1.11% | 7.74% | 5.72% | +359 bps | |
| Net Interest Margin | 4.23% | 4.22% | 4.17% | 4.20% | 4.24% | 4.28% | 4.55% | 4.80% | +59 bps | |
| Efficiency Ratio | 81.05% | 86.79% | 107.61% | 93.58% | 90.46% | 93.67% | 80.33% | 84.59% | -898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.64% | -0.04% | -1.17% | -0.13% | 1.53% | 2.90% | 4.72% | 3.10% | +323 bps | |
| Loan Growth (YoY) | -3.64% | -4.93% | 0.48% | -2.95% | 2.78% | 8.50% | 15.69% | 27.87% | +3,082 bps | |
| Share Growth (YoY) | -0.90% | -0.82% | -1.95% | -0.62% | 1.54% | 3.42% | 5.21% | 3.58% | +420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.52% | 1.99% | 2.41% | 1.02% | 0.61% | 1.41% | 1.97% | 0.20% | -82 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 | 0.70% | 1.00% | 0.92% | 0.54% | 0.73% | 1.05% | 1.00% | 0.95% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.71% | 14.69% | 14.43% | 14.38% | 14.44% | 14.12% | 13.98% | 14.05% | -33 bps | |
| Net Worth / Assets | 14.71% | 14.69% | 14.43% | 14.38% | 14.44% | 14.12% | 13.98% | 14.05% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.48% | 65.48% | 64.52% | 61.75% | 65.26% | 68.69% | 70.95% | 76.24% | +1,448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |