PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U S Bank of Idaho NA

Coueur D'Alene, ID · Cert 2976

FDIC

Q2 1996

$107.1MAssets
$87.5MLoans
$86.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of -0.73%, up 69 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 101.75% of deposits as of Q2 1996.

Return on Assets (YTD, annualized)

-0.73%+69 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995Q1 1996Q2 1996YoY ΔTrend
Earnings
Return on Assets-2.67%-2.69%-1.59%-1.42%-1.46%-1.74%-1.40%-0.73%+69 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/a35.67%5.55%-2.44%-2.01%-12.40%-13.11%-1,867 bps
Loan Growth (YoY)n/an/a46.97%13.29%-3.39%-11.19%-13.72%-17.42%-3,070 bps
Deposit Growth (YoY)n/an/a30.96%15.46%31.05%18.23%21.42%-0.89%-1,635 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 / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
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 Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits143.97%127.87%133.35%122.12%106.14%96.05%94.76%101.75%-2,037 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a