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Latah

Moscow, ID · Charter 19564

NCUA · 5 branches

Q2 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Latah

Moscow, ID · Charter 19564

NCUA · 5 branches

Q2 2016

$86.5MAssets
$47.1MLoans
$79.6MShares
$7.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.40%, up 19 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 0.24% of loans (+17 bps YoY).
  • Capital: net worth / assets of 9.09%, up 66 bps from a year ago.
  • Funding: loans stand at 59.22% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

0.40%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+38 bps YoY

Efficiency Ratio (YTD, annualized)

87.34%-534 bps YoY

Net Worth / Assets

9.09%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.40%0.28%0.16%0.21%0.34%0.33%0.41%0.40%+19 bps
Return on Equity4.01%2.96%1.77%2.53%3.80%3.64%4.57%4.45%+192 bps
Net Interest Margin2.70%2.56%2.33%2.25%2.44%2.48%2.66%2.63%+38 bps
Efficiency Ratio87.35%90.38%94.68%92.68%89.22%89.54%87.58%87.34%-534 bps
Growth
Asset Growth (YoY)10.44%11.31%13.77%20.46%14.47%11.32%6.71%-0.42%-2,088 bps
Loan Growth (YoY)9.31%8.15%22.73%32.47%42.32%38.41%24.23%11.83%-2,064 bps
Share Growth (YoY)9.96%10.35%13.74%22.23%14.74%13.37%7.52%-1.23%-2,346 bps
Asset Quality
Delinquent Loans / Loans0.08%0.14%0.09%0.07%0.15%0.32%0.08%0.24%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.31%0.29%0.24%0.21%0.18%0.19%0.17%0.18%-3 bps
Capital
Risk-Based Capital9.87%9.49%8.90%8.43%8.87%9.07%8.94%9.09%+66 bps
Net Worth / Assets9.87%9.49%8.90%8.43%8.87%9.07%8.94%9.09%+66 bps
Liquidity & Funding
Loans / Shares46.93%47.00%49.61%52.30%58.21%57.38%57.32%59.22%+691 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps