Nampa, ID · Charter 82508
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.63% | 0.57% | 0.59% | 0.50% | 0.41% | 0.33% | 0.38% | -21 bps | |
| Return on Equity | 4.46% | 5.74% | 5.07% | 5.34% | 4.49% | 3.49% | 2.86% | 3.25% | -209 bps | |
| Net Interest Margin | 3.94% | 4.01% | 3.97% | 3.92% | 3.88% | 4.04% | 3.92% | 3.84% | -8 bps | |
| Efficiency Ratio | 86.44% | 82.98% | 83.90% | 82.04% | 83.81% | 86.24% | 87.38% | 89.61% | +757 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.08% | 10.91% | 7.73% | 2.61% | 2.55% | -2.40% | -1.48% | -2.63% | -524 bps | |
| Loan Growth (YoY) | -1.05% | -11.42% | 1.84% | 2.76% | 5.18% | 13.08% | -3.42% | -6.02% | -878 bps | |
| Share Growth (YoY) | 11.63% | 11.55% | 8.01% | 2.31% | 2.40% | -3.12% | -1.99% | -3.23% | -553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.10% | 1.20% | 1.42% | 1.28% | 0.54% | 1.45% | 0.99% | 0.62% | -66 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 | 0.95% | 0.39% | 0.50% | 0.61% | 0.67% | 0.76% | 0.66% | 0.61% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.83% | 11.04% | 11.17% | 10.98% | 11.03% | 11.72% | 11.67% | 11.55% | +57 bps | |
| Net Worth / Assets | 10.83% | 11.04% | 11.17% | 10.98% | 11.03% | 11.72% | 11.67% | 11.55% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.36% | 53.60% | 60.00% | 58.19% | 56.86% | 62.57% | 59.12% | 56.51% | -168 bps | |
| Liquid Assets / Assets | 32.05% | 27.13% | 44.08% | 28.80% | 30.08% | 23.27% | 29.42% | 28.51% | -29 bps | |