Blackfoot, ID · Charter 82541
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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.
Blackfoot, ID · Charter 82541
Q4 2001
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.10% | 5.15% | 4.94% | 0.17% | 0.34% | -3.13% | 1.47% | 1.28% | +112 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -48.20% | 21.89% | 22.61% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 3.60% | 4.51% | 4.03% | 5.72% | 5.08% | +148 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 65.77% | 85.07% | 97.30% | 72.03% | 73.70% | +794 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.67% | 24.24% | 35.89% | 33.84% | 24.10% | 28.70% | 25.01% | 17.74% | -1,611 bps | |
| Loan Growth (YoY) | 22.69% | 14.81% | 28.03% | 31.97% | 25.56% | 23.11% | 13.61% | -2.37% | -3,434 bps | |
| Share Growth (YoY) | 32.49% | 29.37% | 40.37% | 36.39% | 22.68% | 35.64% | 29.92% | 25.03% | -1,136 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.53% | 12.57% | 1.21% | 2.88% | 8.36% | 2.36% | 3.63% | 6.30% | +342 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 | 2.50% | 1.22% | 1.65% | 1.66% | 1.64% | 1.10% | 1.54% | 3.56% | +190 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.50% | 6.72% | 5.68% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.50% | 6.72% | 5.68% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.22% | 105.86% | 102.52% | 109.22% | 109.73% | 96.09% | 89.66% | 85.29% | -2,393 bps | |
| Liquid Assets / Assets | 5.79% | 6.08% | 8.38% | 0.00% | 0.00% | 6.38% | 12.17% | 17.26% | +1,726 bps | |