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Inland Dairy

Spokane, WA · Charter 89138

Q4 1996

$1.0MAssets
$784KLoans
$839KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.29%, down 64 bps year over year.
  • Asset quality: problem loans at 0.12% of loans (-141 bps YoY).
  • Funding: loans stand at 93.48% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

3.29%-64 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.93%4.11%3.89%3.47%3.29%-64 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a-8.51%-16.95%n/a
Loan Growth (YoY)n/an/an/a5.54%-13.44%n/a
Share Growth (YoY)n/an/an/a-11.00%-20.18%n/a
Asset Quality
Delinquent Loans / Loans1.53%0.43%0.43%14.42%0.12%-141 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.33%0.34%0.06%0.38%+38 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares86.20%96.45%95.78%91.09%93.48%+727 bps
Liquid Assets / Assets24.43%12.48%13.72%16.94%21.71%-272 bps