PackageTrendsPeer
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Bank of Latah

Saint Maries, ID · Cert 18379

FDIC

Q4 2002

$151.2MAssets
$94.2MLoans
$121.6MDeposits
$21.5MEquity
Loan mix
50%RE $20.1M47%C&I $19.1M3%Consumer $1.4MQ1 2001Q4 2002
Deposit mix
79%Interest-bearing $96.0M21%Noninterest $25.6MQ1 2001Q4 2002

Executive Summary

  • Earnings: ROA of 0.67%, down 66 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.49%.
  • Funding: loans stand at 77.47% of deposits as of Q4 2002.

Return on Assets (quarter, annualized)

0.67%-66 bps YoY

Net Interest Margin (quarter, annualized)

4.20%-9 bps YoY

Efficiency Ratio (quarter, annualized)

60.69%-319 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.99%Q1 ’016.90%Q4 ’015.86%Q4 ’02+5%-2%

Non-interest income vs. expense

3.10%Q1 ’013.25%Q4 ’013.17%Q4 ’02-2%-6%

Discrete quarter, annualized.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.98%1.39%0.98%1.33%1.09%1.23%-1.40%0.67%-66 bps
Return on Equityn/a19.01%13.56%18.29%14.71%16.36%-12.84%4.76%-1,352 bps
Net Interest Margin4.10%3.91%4.10%4.30%4.41%4.71%-5.31%4.20%-9 bps
Efficiency Ratio65.96%66.91%67.15%63.88%64.82%63.26%61.33%60.69%-319 bps
Non-Interest Burden2.50%2.39%2.53%2.46%2.66%2.75%-3.28%2.32%-14 bps
Growth
Asset Growth (YoY)19.21%9.94%15.22%12.48%6.98%9.33%16.58%18.22%+574 bps
Loan Growth (YoY)15.99%22.36%23.26%21.00%23.51%12.04%9.82%10.93%-1,007 bps
Deposit Growth (YoY)17.05%13.79%13.46%8.16%6.54%6.78%8.86%11.10%+294 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.06%0.44%0.50%-0.05%0.04%-0.02%0.49%-1 bps
Allowance / Loans1.12%0.98%0.91%0.87%0.95%0.92%1.05%1.30%+43 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.24%10.47%10.19%10.44%10.41%10.02%10.78%11.08%+64 bps
Equity / Assets7.26%7.31%7.12%7.39%7.48%7.61%13.81%14.23%+684 bps
Liquidity & Funding
Loans / Deposits65.70%80.01%76.81%77.59%76.17%83.96%77.49%77.47%-12 bps
Liquid Assets / Assets1.51%1.48%1.38%0.94%0.74%0.33%0.26%1.40%+46 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a