PackageTrendsPeer
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Payette River Community

Emmett, ID · Charter 68378

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

Payette River Community

Emmett, ID · Charter 68378

Q3 2013

$6.7MAssets
$2.4MLoans
$6.2MShares
$478KNet Worth

Executive Summary

  • Earnings: ROA of -2.02%, down 205 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (-17 bps YoY).
  • Capital: net worth / assets of 7.10%, down 97 bps from a year ago.
  • Funding: loans stand at 38.53% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-2.02%-205 bps YoY

Net Interest Margin (YTD, annualized)

2.36%+23 bps YoY

Efficiency Ratio (YTD, annualized)

138.73%+4,019 bps YoY

Net Worth / Assets

7.10%-97 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.26%-0.10%-0.01%0.03%0.03%-0.99%-0.52%-2.02%-205 bps
Return on Equity-3.14%-1.25%-0.06%0.38%0.30%-13.19%-6.63%-28.48%-2,886 bps
Net Interest Margin2.37%2.09%2.14%2.13%2.23%2.11%2.22%2.36%+23 bps
Efficiency Ratio97.99%102.51%99.78%98.54%98.88%102.11%101.11%138.73%+4,019 bps
Growth
Asset Growth (YoY)5.73%1.52%3.22%3.13%-1.79%4.28%3.04%-6.28%-942 bps
Loan Growth (YoY)-14.06%-6.59%-3.02%4.49%3.10%12.36%21.35%26.31%+2,181 bps
Share Growth (YoY)6.63%1.57%3.53%3.52%-1.88%5.28%3.62%-5.43%-895 bps
Asset Quality
Delinquent Loans / Loans0.42%0.65%0.34%0.17%0.78%0.34%0.29%0.00%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.68%0.73%0.72%0.44%0.45%0.79%0.67%0.35%-9 bps
Capital
Risk-Based Capital8.14%8.05%8.28%8.08%8.31%7.52%7.80%7.10%-97 bps
Net Worth / Assets8.14%8.05%8.28%8.08%8.31%7.52%7.80%7.10%-97 bps
Liquidity & Funding
Loans / Shares28.27%26.19%28.82%28.85%29.71%27.95%33.75%38.53%+968 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps