Boise, ID · Charter 8360
Q4 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.76% | 0.55% | 0.86% | 1.66% | 1.38% | 1.42% | 1.17% | +31 bps | |
| Return on Equity | 5.79% | 6.87% | 4.84% | 6.67% | 11.78% | 9.26% | 8.71% | 7.24% | +57 bps | |
| Net Interest Margin | 4.98% | 4.98% | 5.08% | 5.71% | 5.69% | 5.41% | 5.51% | 5.21% | -50 bps | |
| Efficiency Ratio | 86.26% | 85.54% | 89.55% | 86.87% | 79.98% | 83.75% | 83.56% | 85.91% | -96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.53% | 3.63% | 8.06% | -3.66% | -13.85% | -19.74% | -23.80% | -14.18% | -1,052 bps | |
| Loan Growth (YoY) | -3.86% | -1.14% | -1.12% | -5.23% | -8.63% | -16.67% | -23.72% | -25.80% | -2,058 bps | |
| Share Growth (YoY) | -5.83% | 5.38% | 8.64% | -5.10% | -16.73% | -23.16% | -27.91% | -17.31% | -1,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.74% | 1.09% | 0.12% | 0.12% | 0.14% | 1.22% | 0.38% | +26 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 | 1.39% | 1.39% | 1.44% | 1.53% | 1.62% | 1.63% | 1.80% | 0.94% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.17% | 11.03% | 11.27% | 12.87% | 14.11% | 14.94% | 16.34% | 16.17% | +330 bps | |
| Net Worth / Assets | 11.17% | 11.03% | 11.27% | 12.87% | 14.11% | 14.94% | 16.34% | 16.17% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.26% | 79.08% | 79.59% | 84.19% | 85.88% | 85.77% | 84.23% | 75.54% | -865 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |