PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boise Cascade Employees

Emmett, ID · Charter 1462

Q2 1998

$2.6MAssets
$1.9MLoans
$2.3MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.00%, up 42 bps year over year.
  • Asset quality: problem loans at 1.76% of loans (+22 bps YoY).
  • Funding: loans stand at 79.98% of shares as of Q2 1998.

Financial Results

Return on Assets (YTD, annualized)

4.00%+42 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.58%3.83%4.00%4.12%4.00%+42 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)1.38%4.87%19.70%29.11%33.58%+3,221 bps
Loan Growth (YoY)66.29%39.01%27.79%34.60%10.33%-5,597 bps
Share Growth (YoY)-0.25%3.97%21.32%32.02%36.33%+3,658 bps
Asset Quality
Delinquent Loans / Loans1.54%0.83%0.58%0.89%1.76%+22 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.49%0.29%0.25%0.15%-33 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares98.83%91.48%86.64%88.15%79.98%-1,885 bps
Liquid Assets / Assets8.39%11.35%19.29%14.65%16.41%+803 bps