Coeur D'Alene, ID · Charter 97058
Q3 2004
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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.05% | 0.44% | 0.50% | 0.44% | 0.14% | 0.02% | 0.09% | -41 bps | |
| Return on Equity | 8.93% | 0.91% | 7.33% | 8.07% | 6.75% | 2.23% | 0.37% | 1.57% | -650 bps | |
| Net Interest Margin | 5.03% | 4.54% | 2.20% | 4.47% | 4.63% | 4.00% | 3.89% | 3.77% | -71 bps | |
| Efficiency Ratio | 84.62% | 89.67% | 89.16% | 90.64% | 92.00% | 97.17% | 97.56% | 95.86% | +522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.36% | 4.30% | 7.73% | 6.43% | -0.48% | -0.55% | 1.19% | 5.34% | -108 bps | |
| Loan Growth (YoY) | -13.37% | -20.85% | -14.54% | -12.56% | -10.67% | -11.51% | -9.66% | -13.75% | -119 bps | |
| Share Growth (YoY) | -4.11% | 3.96% | 7.36% | 6.28% | -0.96% | -0.94% | 1.08% | 5.58% | -70 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.17% | 2.88% | 2.30% | 1.47% | 1.08% | 0.69% | 0.47% | 1.24% | -24 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 | 1.52% | 1.32% | 1.15% | 1.08% | 0.80% | 0.67% | 0.61% | 0.68% | -40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.12% | 5.78% | 5.94% | 6.21% | 6.59% | 6.26% | 6.06% | 6.01% | -20 bps | |
| Net Worth / Assets | 6.12% | 5.78% | 5.94% | 6.21% | 6.59% | 6.26% | 6.06% | 6.01% | -20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.81% | 61.72% | 58.66% | 57.71% | 60.26% | 55.13% | 52.42% | 47.15% | -1,056 bps | |
| Liquid Assets / Assets | 29.80% | 35.43% | 38.49% | 30.19% | 25.91% | 32.09% | 33.93% | 36.49% | +630 bps | |