PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cassia County Educ.

Burley, ID · Charter 82509

Q2 2013

$2.8MAssets
$859KLoans
$2.4MShares
$316KNet Worth

Executive Summary

  • Earnings: ROA of -0.06%, down 10 bps year over year; NIM at 2.67%.
  • Asset quality: problem loans at 1.39% of loans (+139 bps YoY).
  • Capital: net worth / assets of 11.48%, down 39 bps from a year ago.
  • Funding: loans stand at 35.31% of shares as of Q2 2013.

Return on Assets (quarter, annualized)

-0.06%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.67%-28 bps YoY

Efficiency Ratio (quarter, annualized)

102.02%+329 bps YoY

Net Worth / Assets

11.48%-39 bps YoY

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.37%-0.66%-0.12%0.04%0.05%0.11%0.06%-0.06%-10 bps
Return on Equity-3.30%-5.68%-1.09%0.32%0.39%0.93%0.50%-0.49%-82 bps
Net Interest Margin2.65%2.78%2.85%2.95%2.92%2.77%2.84%2.67%-28 bps
Efficiency Ratio113.55%123.05%104.16%98.73%98.48%96.26%98.01%102.02%+329 bps
Growth
Asset Growth (YoY)1.49%-8.84%-6.25%-11.11%-8.83%1.43%-4.73%3.93%+1,505 bps
Loan Growth (YoY)6.00%6.57%3.11%1.32%-2.16%-1.58%-7.59%-11.88%-1,320 bps
Share Growth (YoY)2.50%-8.93%-6.51%-11.99%-9.47%1.62%-5.39%4.44%+1,642 bps
Asset Quality
Delinquent Loans / Loans0.10%0.03%0.00%0.00%0.00%1.31%0.00%1.39%+139 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.95%0.95%0.96%0.94%0.97%0.96%1.20%1.22%+29 bps
Capital
Risk-Based Capital11.11%11.55%11.11%11.86%11.85%11.50%11.82%11.48%-39 bps
Net Worth / Assets11.11%11.55%11.11%11.86%11.85%11.50%11.82%11.48%-39 bps
Liquidity & Funding
Loans / Shares37.35%40.20%37.97%41.84%40.37%38.94%37.09%35.31%-654 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps