Boise, ID · Charter 82503
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Boise, ID · Charter 82503
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.57% | 0.49% | 1.34% | 1.15% | -17.21% | -15.86% | -10.32% | -1,166 bps | |
| Return on Equity | 1.78% | 5.47% | 5.44% | 14.18% | 11.05% | -293% | -441% | -310% | -32,409 bps | |
| Net Interest Margin | 7.23% | 7.61% | 6.66% | 7.86% | 8.26% | 7.94% | 8.19% | 8.25% | +39 bps | |
| Efficiency Ratio | 93.22% | 89.82% | 90.06% | 83.30% | 83.85% | 107.64% | 103.99% | 101.08% | +1,778 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.42% | 14.01% | 29.13% | 15.77% | 9.35% | 7.40% | -17.03% | -14.94% | -3,071 bps | |
| Loan Growth (YoY) | 5.45% | 11.96% | 22.62% | 32.56% | 22.46% | 2.15% | -6.30% | -24.05% | -5,661 bps | |
| Share Growth (YoY) | 16.24% | 16.42% | 33.02% | 16.12% | 6.99% | 13.94% | -12.39% | -10.40% | -2,653 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 2.92% | 0.23% | 1.28% | 1.00% | 20.68% | 12.15% | 23.89% | +2,260 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 | 1.72% | 1.73% | 1.21% | 1.18% | 1.45% | 6.15% | 9.91% | 4.22% | +304 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.97% | 10.43% | 8.97% | 9.45% | 10.42% | 5.88% | 3.60% | 3.33% | -612 bps | |
| Net Worth / Assets | 9.97% | 10.43% | 8.97% | 9.45% | 10.42% | 5.88% | 3.60% | 3.33% | -612 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.55% | 104.22% | 89.89% | 104.12% | 109.36% | 93.43% | 96.14% | 88.27% | -1,585 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |