Shelley, ID · Charter 82539
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 | -0.22% | -0.12% | 0.11% | -0.07% | -0.25% | -0.23% | -0.11% | -0.60% | -54 bps | |
| Return on Equity | -2.76% | -1.36% | 1.21% | -0.75% | -2.90% | -2.64% | -1.24% | -7.28% | -653 bps | |
| Net Interest Margin | 4.88% | 5.16% | 5.28% | 5.13% | 5.04% | 5.15% | 4.89% | 4.38% | -75 bps | |
| Efficiency Ratio | 104.74% | 102.32% | 97.97% | 101.29% | 105.06% | 104.53% | 102.11% | 113.69% | +1,239 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | -4.95% | -8.66% | -10.97% | -5.62% | -3.65% | 2.96% | 3.41% | +1,438 bps | |
| Loan Growth (YoY) | 9.56% | 7.91% | 2.97% | -12.90% | -2.59% | -1.58% | -4.91% | -6.01% | +689 bps | |
| Share Growth (YoY) | 0.78% | -5.09% | -9.32% | -11.95% | -6.18% | -3.98% | 3.42% | 4.05% | +1,601 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.61% | 3.75% | 3.15% | 3.41% | 5.97% | 6.78% | 3.22% | +7 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 | 0.72% | 0.75% | 1.00% | 1.34% | 1.23% | 1.27% | 1.32% | 1.43% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.13% | 8.51% | 8.94% | 8.81% | 8.71% | 8.86% | 8.57% | 8.28% | -53 bps | |
| Net Worth / Assets | 8.13% | 8.51% | 8.94% | 8.81% | 8.71% | 8.86% | 8.57% | 8.28% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.32% | 80.52% | 82.92% | 76.22% | 83.40% | 82.54% | 76.24% | 68.84% | -737 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |