Emmett, ID · Charter 68378
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.37% | 2.09% | 2.14% | 2.13% | 2.23% | 2.11% | 2.22% | 2.36% | +23 bps | |
| Efficiency Ratio | 97.99% | 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 / Loans | 0.42% | 0.65% | 0.34% | 0.17% | 0.78% | 0.34% | 0.29% | 0.00% | -17 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 | 0.68% | 0.73% | 0.72% | 0.44% | 0.45% | 0.79% | 0.67% | 0.35% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.14% | 8.05% | 8.28% | 8.08% | 8.31% | 7.52% | 7.80% | 7.10% | -97 bps | |
| Net Worth / Assets | 8.14% | 8.05% | 8.28% | 8.08% | 8.31% | 7.52% | 7.80% | 7.10% | -97 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.27% | 26.19% | 28.82% | 28.85% | 29.71% | 27.95% | 33.75% | 38.53% | +968 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |