Garden City, ID · Charter 68621
Q4 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.11% | -0.22% | 0.01% | 0.14% | -0.48% | -0.11% | -4.74% | -476 bps | |
| Return on Equity | 0.72% | 1.27% | -2.56% | 0.17% | 1.56% | -5.61% | -1.21% | -101.70% | -10,186 bps | |
| Net Interest Margin | 3.72% | 3.41% | 3.35% | 3.29% | 2.86% | 2.54% | 2.82% | 2.97% | -32 bps | |
| Efficiency Ratio | 91.53% | 94.19% | 101.78% | 96.17% | 93.64% | 98.85% | 93.27% | 125.74% | +2,957 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 2.09% | 2.69% | 2.11% | 1.16% | 0.04% | -0.94% | -4.85% | -696 bps | |
| Loan Growth (YoY) | 0.61% | -0.72% | -3.15% | -1.17% | 1.24% | 2.17% | 1.68% | -0.09% | +108 bps | |
| Share Growth (YoY) | 4.33% | 3.14% | 3.54% | 1.18% | 0.23% | -0.12% | -1.63% | 0.53% | -65 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 1.49% | 1.17% | 2.92% | 3.88% | 1.79% | 2.12% | 14.55% | +1,163 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 | 1.71% | 1.39% | 1.20% | 1.10% | 1.12% | 1.38% | 1.47% | 6.03% | +493 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.45% | 8.85% | 8.72% | 8.95% | 8.85% | 8.57% | 8.90% | 4.66% | -429 bps | |
| Net Worth / Assets | 8.45% | 8.85% | 8.72% | 8.95% | 8.85% | 8.57% | 8.90% | 4.66% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.55% | 72.37% | 73.37% | 74.93% | 74.29% | 74.03% | 75.84% | 74.46% | -46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |