Stayton, OR · Charter 10108
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.89% | 6.59% | 6.19% | 6.01% | 5.89% | 5.90% | 1.11% | -23.11% | -2,912 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 38.46% | 37.06% | 54.42% | 53.13% | 50.81% | 46.99% | 16.47% | -3,795 bps | |
| Loan Growth (YoY) | n/a | 46.86% | 41.79% | 37.91% | 45.78% | 41.39% | 35.64% | 5.91% | -3,200 bps | |
| Share Growth (YoY) | n/a | 35.88% | 35.24% | 55.73% | 55.32% | 53.35% | 57.03% | 41.23% | -1,449 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 8.62% | 11.28% | 15.52% | 10.02% | 15.41% | 18.43% | 15.51% | 14.30% | +428 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.97% | 2.71% | 2.83% | 3.04% | 2.96% | 2.49% | 6.42% | 19.09% | +1,605 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.57% | 102.13% | 99.08% | 94.73% | 96.27% | 94.17% | 85.59% | 71.04% | -2,369 bps | |
| Liquid Assets / Assets | 9.67% | 8.33% | 12.68% | 15.36% | 14.18% | 9.83% | 17.74% | 31.69% | +1,633 bps | |