Blackfoot, ID · Charter 64843
Q2 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.84% | 6.67% | 5.56% | 5.88% | 5.65% | -9.16% | -10.60% | 5.37% | -50 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 28.59% | 59.62% | 76.32% | 78.16% | 52.71% | 14.39% | -15.09% | -9,141 bps | |
| Loan Growth (YoY) | n/a | 27.28% | 46.82% | 52.27% | 53.76% | 40.15% | -9.24% | -31.68% | -8,395 bps | |
| Share Growth (YoY) | n/a | 29.69% | 62.98% | 88.74% | 93.72% | 82.58% | 25.15% | -9.82% | -9,856 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.03% | 2.07% | 4.71% | 7.00% | 9.20% | 8.58% | 9.82% | 12.60% | +559 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 1.23% | 0.86% | 1.14% | 1.21% | 9.49% | 11.55% | 10.02% | +888 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.41% | 104.89% | 94.23% | 85.32% | 82.87% | 80.52% | 68.34% | 64.64% | -2,068 bps | |
| Liquid Assets / Assets | 5.51% | 3.40% | 5.67% | 12.74% | 15.98% | 18.70% | 19.29% | 36.28% | +2,354 bps | |