Lewiston, ID · Charter 82524
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 | -0.05% | -4.15% | -3.24% | -1.52% | -1.39% | -1.31% | -1.39% | -20.31% | -1,879 bps | |
| Return on Equity | -0.24% | -30.22% | -23.39% | -11.17% | -10.47% | -9.99% | -10.98% | -225% | -21,368 bps | |
| Net Interest Margin | 4.14% | 3.11% | 3.06% | 2.25% | 2.12% | 1.92% | 1.71% | 2.04% | -21 bps | |
| Efficiency Ratio | 101.07% | 117.61% | 115.93% | 167.44% | 161.38% | 164.94% | 175.32% | 151.18% | -1,625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.04% | 15.57% | 15.66% | 12.48% | 12.69% | -2.88% | -1.28% | -10.88% | -2,336 bps | |
| Loan Growth (YoY) | -32.10% | -43.48% | -55.15% | -51.74% | -51.90% | -50.05% | -42.13% | -48.42% | +332 bps | |
| Share Growth (YoY) | -0.20% | 22.87% | 24.35% | 20.69% | 20.32% | -1.77% | 0.18% | -6.01% | -2,670 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 42.70% | 30.76% | 35.04% | 42.59% | 42.30% | 45.94% | 88.14% | 46.12% | +353 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 | 21.24% | 13.63% | 18.10% | 21.01% | 23.90% | 28.04% | 32.59% | 78.20% | +5,718 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.35% | 13.74% | 13.85% | 13.57% | 13.24% | 13.08% | 12.64% | 9.03% | -454 bps | |
| Net Worth / Assets | 19.35% | 13.74% | 13.85% | 13.57% | 13.24% | 13.08% | 12.64% | 9.03% | -454 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.47% | 41.76% | 31.91% | 27.63% | 24.58% | 21.24% | 18.44% | 15.16% | -1,247 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |