Boise, ID · Charter 68566
Q1 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.41% | 0.31% | 0.23% | 0.22% | 0.27% | 0.24% | 0.11% | -12 bps | |
| Return on Equity | 3.74% | 5.04% | 4.02% | 3.09% | 2.87% | 3.57% | 3.18% | 1.44% | -165 bps | |
| Net Interest Margin | 2.84% | 2.82% | 2.63% | 2.45% | 2.47% | 2.42% | 2.39% | 2.12% | -33 bps | |
| Efficiency Ratio | 86.26% | 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 / Loans | 0.66% | 1.26% | 1.35% | 1.32% | 1.15% | 1.49% | 0.59% | 0.69% | -63 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 | 0.76% | 0.66% | 0.71% | 0.66% | 0.62% | 0.57% | 0.63% | 0.57% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 8.14% | 7.66% | 7.52% | 7.61% | 7.53% | 7.53% | 7.48% | -4 bps | |
| Net Worth / Assets | 8.00% | 8.14% | 7.66% | 7.52% | 7.61% | 7.53% | 7.53% | 7.48% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.20% | 44.13% | 42.17% | 41.39% | 41.81% | 41.15% | 40.34% | 39.14% | -226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |