Rupert, ID · Charter 82529
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Rupert, ID · Charter 82529
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 2.49% | 2.55% | 3.86% | 4.33% | 3.62% | 3.13% | 3.20% | -67 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -3.32% | 3.62% | 4.81% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 33.51% | 51.63% | 36.40% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -5.36% | 2.30% | 3.03% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 7.54% | 5.53% | 2.60% | 3.33% | 3.19% | 2.57% | 1.11% | -149 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.15% | 1.39% | 0.82% | 0.65% | 1.10% | 0.70% | -69 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 54.79% | 56.14% | 66.12% | 73.74% | 77.29% | 83.21% | 87.54% | +2,142 bps | |
| Liquid Assets / Assets | 49.05% | 46.01% | 37.43% | 30.58% | 27.96% | 21.78% | 18.54% | -1,889 bps | |