Burley, ID · Charter 82534
Q4 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -1.90% | -5.29% | -3.78% | 0.03% | 1.25% | 1.27% | 0.74% | +452 bps | |
| Return on Equity | -7.96% | -26.31% | -109.21% | -74.63% | 0.66% | 22.02% | 20.64% | 13.82% | +8,845 bps | |
| Net Interest Margin | 6.46% | 6.61% | 7.10% | 7.03% | 5.96% | 5.97% | 6.19% | 5.61% | -143 bps | |
| Efficiency Ratio | 113.67% | 129.39% | 121.93% | 114.05% | 99.48% | 83.95% | 83.56% | 88.90% | -2,515 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.39% | -3.67% | -4.41% | -6.60% | -6.61% | -7.38% | -2.78% | 9.56% | +1,616 bps | |
| Loan Growth (YoY) | -12.26% | -4.36% | -3.14% | -4.47% | -12.40% | -8.53% | -3.54% | 0.99% | +546 bps | |
| Share Growth (YoY) | -4.75% | -2.28% | -1.60% | -3.10% | -3.28% | -5.65% | -4.04% | 9.19% | +1,229 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.85% | 2.63% | 1.94% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.62% | 0.90% | 2.37% | 2.55% | 2.90% | 2.05% | 2.06% | 2.11% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.07% | 7.22% | 4.85% | 5.06% | 5.06% | 5.67% | 6.14% | 5.37% | +30 bps | |
| Net Worth / Assets | 8.07% | 7.22% | 4.85% | 5.06% | 5.06% | 5.67% | 6.14% | 5.37% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.63% | 78.09% | 80.43% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |