Coeur D Alene, ID · Charter 7837
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.31% | 0.13% | 0.23% | 0.48% | 0.84% | 0.67% | 0.44% | +21 bps | |
| Return on Equity | 3.83% | 3.46% | 1.44% | 2.58% | 5.22% | 8.97% | 7.29% | 4.80% | +222 bps | |
| Net Interest Margin | 4.48% | 4.11% | 4.14% | 4.21% | 4.49% | 4.35% | 4.04% | 3.90% | -31 bps | |
| Efficiency Ratio | 89.10% | 88.78% | 88.95% | 89.88% | 84.38% | 85.24% | 84.09% | 85.99% | -389 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.43% | 15.46% | 17.49% | 17.07% | 10.24% | 1.61% | 4.95% | 3.97% | -1,310 bps | |
| Loan Growth (YoY) | 2.14% | -7.04% | -11.61% | -7.38% | -5.31% | -1.29% | -7.63% | -6.51% | +87 bps | |
| Share Growth (YoY) | 9.23% | 16.31% | 19.19% | 19.08% | 11.46% | 1.36% | 4.89% | 3.76% | -1,532 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 2.36% | 0.79% | 0.73% | 0.90% | 0.89% | 0.36% | 0.35% | -38 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 | 0.50% | 0.39% | 0.73% | 0.57% | 0.58% | 0.55% | 0.67% | 0.85% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.40% | 8.83% | 8.85% | 8.82% | 9.14% | 9.38% | 9.17% | 9.11% | +28 bps | |
| Net Worth / Assets | 9.40% | 8.83% | 8.85% | 8.82% | 9.14% | 9.38% | 9.17% | 9.11% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.24% | 61.52% | 62.89% | 62.14% | 60.52% | 59.91% | 55.38% | 55.99% | -615 bps | |
| Liquid Assets / Assets | 29.47% | 38.06% | 36.76% | 36.72% | 34.84% | 26.38% | 29.86% | 36.36% | -36 bps | |