PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Boise Cascade Corporation Employees

Lagrande, ID · Charter 66072

Q4 2004

$15.7MAssets
$7.7MLoans
$14.1MShares
$1.5MNet 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 0.38%, down 43 bps year over year; NIM at 3.70%.
  • Asset quality: problem loans at 0.19% of loans (-4 bps YoY).
  • Capital: net worth / assets of 9.61%, up 74 bps from a year ago.
  • Funding: loans stand at 54.81% of shares as of Q4 2004.

Financial Results

Return on Assets (YTD, annualized)

0.38%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.70%-30 bps YoY

Efficiency Ratio (YTD, annualized)

96.65%+1,742 bps YoY

Net Worth / Assets

9.61%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004YoY ΔTrend
Earnings
Return on Assets0.81%0.77%0.71%0.64%0.38%-43 bps
Return on Equity9.19%8.51%7.93%6.86%3.96%-522 bps
Net Interest Margin4.00%3.69%3.52%3.58%3.70%-30 bps
Efficiency Ratio79.23%80.08%82.27%85.68%96.65%+1,742 bps
Growth
Asset Growth (YoY)-0.63%-3.51%-1.37%-2.56%-3.92%-329 bps
Loan Growth (YoY)-1.72%-8.90%-10.84%-9.20%-10.46%-874 bps
Share Growth (YoY)-1.58%-4.66%-2.24%-3.55%-4.72%-313 bps
Asset Quality
Delinquent Loans / Loans0.22%0.27%0.11%0.06%0.19%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.79%1.93%1.81%1.76%1.24%-56 bps
Capital
Risk-Based Capital8.86%9.06%8.93%9.32%9.61%+74 bps
Net Worth / Assets8.86%9.06%8.93%9.32%9.61%+74 bps
Liquidity & Funding
Loans / Shares58.33%56.56%52.93%53.97%54.81%-352 bps
Liquid Assets / Assets26.44%27.86%45.88%32.85%44.02%+1,758 bps