PackageTrendsPeer
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Tobacco Root

Whitehall, MT · Charter 20471

Q2 1997

$1.9MAssets
$1.6MLoans
$1.8MShares
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 4.01%, up 30 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-58 bps YoY).
  • Funding: loans stand at 88.56% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.01%+30 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.71%4.15%3.97%4.07%4.01%+30 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)n/an/a24.22%16.48%14.33%n/a
Loan Growth (YoY)n/an/a37.41%25.88%37.23%n/a
Share Growth (YoY)n/an/a23.08%14.37%12.16%n/a
Asset Quality
Delinquent Loans / Loans0.58%1.39%1.11%1.10%0.00%-58 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.29%0.90%0.82%0.91%0.99%-30 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 / Shares72.38%89.23%87.75%92.84%88.56%+1,618 bps
Liquid Assets / Assets25.20%9.32%14.85%10.58%14.55%-1,066 bps