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Idaho Advantage

Boise, ID · Charter 68566

Q1 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: Q1 2013, the quarter ended March 31, 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 2026-10-12

Idaho Advantage

Boise, ID · Charter 68566

Q1 2013

$61.8MAssets
$22.2MLoans
$56.8MShares
$4.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.11%, down 12 bps year over year; NIM at 2.12%.
  • Asset quality: problem loans at 0.69% of loans (-63 bps YoY).
  • Capital: net worth / assets of 7.48%, down 4 bps from a year ago.
  • Funding: loans stand at 39.14% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

0.11%-12 bps YoY

Net Interest Margin (YTD, annualized)

2.12%-33 bps YoY

Efficiency Ratio (YTD, annualized)

89.68%+480 bps YoY

Net Worth / Assets

7.48%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.30%0.41%0.31%0.23%0.22%0.27%0.24%0.11%-12 bps
Return on Equity3.74%5.04%4.02%3.09%2.87%3.57%3.18%1.44%-165 bps
Net Interest Margin2.84%2.82%2.63%2.45%2.47%2.42%2.39%2.12%-33 bps
Efficiency Ratio86.26%84.08%84.94%84.89%87.14%85.91%86.37%89.68%+480 bps
Growth
Asset Growth (YoY)3.13%1.79%7.72%10.77%8.99%11.32%5.10%3.43%-734 bps
Loan Growth (YoY)1.10%2.07%0.69%3.82%3.71%4.17%0.66%-2.13%-594 bps
Share Growth (YoY)2.01%1.00%8.37%11.20%9.64%11.71%5.21%3.52%-768 bps
Asset Quality
Delinquent Loans / Loans0.66%1.26%1.35%1.32%1.15%1.49%0.59%0.69%-63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.76%0.66%0.71%0.66%0.62%0.57%0.63%0.57%-8 bps
Capital
Risk-Based Capital8.00%8.14%7.66%7.52%7.61%7.53%7.53%7.48%-4 bps
Net Worth / Assets8.00%8.14%7.66%7.52%7.61%7.53%7.53%7.48%-4 bps
Liquidity & Funding
Loans / Shares44.20%44.13%42.17%41.39%41.81%41.15%40.34%39.14%-226 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps