PackageTrendsPeer
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Blue Mountain

College Place, WA · Charter 89125

Q4 1996

$13.6MAssets
$8.9MLoans
$12.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.98%, up 67 bps year over year.
  • Asset quality: problem loans at 2.70% of loans (+13 bps YoY).
  • Funding: loans stand at 74.39% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

4.98%+67 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets4.11%4.31%4.62%4.51%4.90%4.98%+67 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/a7.26%11.25%n/a
Loan Growth (YoY)n/an/an/an/a6.75%13.68%n/a
Share Growth (YoY)n/an/an/an/a7.74%7.47%n/a
Asset Quality
Delinquent Loans / Loans2.44%2.57%2.29%4.51%3.55%2.70%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans3.34%3.43%1.39%1.53%1.49%1.45%-199 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 / Shares69.54%70.33%71.78%65.69%68.90%74.39%+406 bps
Liquid Assets / Assets25.01%23.92%16.26%16.86%11.64%10.33%-1,359 bps