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Coeur D'Alene Teachers'

Coeur D'Alene, ID · Charter 66204

Q4 1997

$7.8MAssets
$6.0MLoans
$7.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.65%, up 71 bps year over year.
  • Asset quality: problem loans at 2.95% of loans (+276 bps YoY).
  • Funding: loans stand at 84.72% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

3.65%+71 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.26%3.41%2.79%2.95%3.33%3.22%3.39%3.65%+71 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/a17.55%19.59%22.79%13.75%n/a
Loan Growth (YoY)n/an/an/an/a49.74%28.77%12.45%16.74%n/a
Share Growth (YoY)n/an/an/an/a18.47%21.42%39.21%14.14%n/a
Asset Quality
Delinquent Loans / Loans0.28%0.30%0.87%0.19%1.06%1.38%1.85%2.95%+276 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.88%0.74%0.60%0.61%0.66%0.61%0.73%0.58%-3 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 / Shares62.76%76.26%96.53%82.83%79.32%80.87%77.98%84.72%+189 bps
Liquid Assets / Assets38.41%21.08%11.94%15.39%18.76%17.32%20.12%14.32%-107 bps