PackageTrendsPeer
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Canyon Medical Health (C.M.H.)

Caldwell, ID · Charter 63664

Q4 1997

$12.4MAssets
$10.6MLoans
$11.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.32%, down 42 bps year over year.
  • Asset quality: problem loans at 3.67% of loans (+236 bps YoY).
  • Funding: loans stand at 97.04% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

4.32%-42 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets5.25%5.42%4.99%4.74%4.74%4.82%4.54%4.32%-42 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
Growth
Asset Growth (YoY)n/an/an/an/a25.77%22.55%22.69%13.78%n/a
Loan Growth (YoY)n/an/an/an/a-2.16%12.48%15.38%20.36%n/a
Share Growth (YoY)n/an/an/an/a25.13%22.42%23.66%13.64%n/a
Asset Quality
Delinquent Loans / Loans1.46%1.49%1.52%1.31%2.50%2.90%3.15%3.67%+236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.99%1.08%0.94%1.02%1.31%1.49%1.53%1.67%+65 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares102.30%101.40%98.16%91.63%79.99%93.16%91.59%97.04%+542 bps
Liquid Assets / Assets1.34%1.37%1.32%1.26%1.19%16.32%17.79%12.27%+1,100 bps