PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

U.R.M.

Spokane, WA · Charter 89103

Q4 1996

$13.7MAssets
$10.0MLoans
$11.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.71%, down 126 bps year over year.
  • Asset quality: problem loans at 0.34% of loans (+16 bps YoY).
  • Funding: loans stand at 86.58% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

5.71%-126 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 1996YoY ΔTrend
Earnings
Return on Assets6.74%6.98%6.66%6.09%5.71%5.71%-126 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a14.94%21.14%n/a
Loan Growth (YoY)n/an/an/an/a-0.78%-1.86%n/a
Share Growth (YoY)n/an/an/an/a8.91%16.49%n/a
Asset Quality
Delinquent Loans / Loans0.05%0.18%0.03%0.26%0.15%0.34%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.23%0.38%0.41%0.59%0.84%1.01%+63 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares96.12%102.77%105.12%90.36%87.57%86.58%-1,619 bps
Liquid Assets / Assets5.81%1.72%1.35%13.09%19.16%15.67%+1,395 bps