Burley, ID · Charter 82534
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Burley, ID · Charter 82534
Q4 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.78% | 0.03% | 1.25% | 1.27% | 0.74% | +452 bps | |
| Return on Equity | -74.63% | 0.66% | 22.02% | 20.64% | 13.82% | +8,845 bps | |
| Net Interest Margin | 7.03% | 5.96% | 5.97% | 6.19% | 5.61% | -143 bps | |
| Efficiency Ratio | 114.05% | 99.48% | 83.95% | 83.56% | 88.90% | -2,515 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.60% | -6.61% | -7.38% | -2.78% | 9.56% | +1,616 bps | |
| Loan Growth (YoY) | -4.47% | -12.40% | -8.53% | -3.54% | 0.99% | +546 bps | |
| Share Growth (YoY) | -3.10% | -3.28% | -5.65% | -4.04% | 9.19% | +1,229 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.79% | 0.91% | 0.11% | 0.08% | 0.00% | -179 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.55% | 2.90% | 2.05% | 2.06% | 2.11% | -44 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.06% | 5.06% | 5.67% | 6.14% | 5.37% | +30 bps | |
| Net Worth / Assets | 5.06% | 5.06% | 5.67% | 6.14% | 5.37% | +30 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.72% | 70.31% | 75.71% | 80.85% | 71.88% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |