Burley, ID · Charter 82540
Q2 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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | -1.06% | -1.39% | -1.43% | -1.30% | -1.28% | -1.29% | -1.46% | -3 bps | |
| Return on Equity | -8.49% | -8.94% | -11.99% | -12.49% | -11.35% | -11.57% | -12.23% | -14.56% | -207 bps | |
| Net Interest Margin | 2.93% | 2.87% | 2.45% | 2.44% | 2.46% | 2.41% | 2.20% | 2.15% | -29 bps | |
| Efficiency Ratio | 130.52% | 131.38% | 144.92% | 144.34% | 138.09% | 137.27% | 142.38% | 150.15% | +581 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.65% | 9.21% | -0.53% | -1.72% | -4.56% | -3.69% | -1.43% | 1.42% | +314 bps | |
| Loan Growth (YoY) | -19.32% | -16.97% | -13.37% | -1.37% | -4.17% | -8.99% | -7.89% | -12.05% | -1,067 bps | |
| Share Growth (YoY) | 11.51% | 12.70% | 0.59% | -1.43% | -3.97% | -1.70% | 0.31% | 3.96% | +539 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.66% | 1.78% | 0.75% | 0.24% | 0.69% | 0.30% | 0.28% | 0.78% | +54 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 | 1.11% | 1.15% | 1.14% | 0.76% | 0.80% | 0.85% | 0.88% | 0.87% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.12% | 11.90% | 11.62% | 11.46% | 11.43% | 11.08% | 10.56% | 10.03% | -143 bps | |
| Net Worth / Assets | 12.12% | 11.90% | 11.62% | 11.46% | 11.43% | 11.08% | 10.56% | 10.03% | -143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.73% | 46.31% | 44.26% | 48.20% | 46.63% | 42.87% | 40.64% | 40.78% | -742 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |