Coquille, OR · Charter 11504
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.45% | 1.63% | 1.69% | 1.66% | 1.22% | 1.06% | 1.05% | -64 bps | |
| Return on Equity | 16.13% | 16.69% | 17.59% | 17.92% | 18.25% | 13.95% | 12.17% | 12.03% | -589 bps | |
| Net Interest Margin | 4.18% | 4.22% | 4.26% | 4.49% | 4.18% | 3.54% | 3.65% | 4.37% | -13 bps | |
| Efficiency Ratio | 70.36% | 69.95% | 68.92% | 74.62% | 75.13% | 76.02% | 78.66% | 82.18% | +756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 31.04% | 23.49% | 19.56% | 14.93% | 14.25% | 34.24% | 39.01% | 38.99% | +2,406 bps | |
| Loan Growth (YoY) | 16.58% | 18.85% | 9.70% | 20.26% | 21.33% | 38.57% | 47.99% | 44.54% | +2,427 bps | |
| Share Growth (YoY) | 31.05% | 23.35% | 19.35% | 14.01% | 13.15% | 34.18% | 39.35% | 38.89% | +2,488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.46% | 0.43% | 0.39% | 0.34% | 0.51% | 0.47% | 0.55% | +16 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 | 0.63% | 0.56% | 0.49% | 0.40% | 0.33% | 0.34% | 0.31% | 0.27% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.44% | 8.69% | 9.29% | 9.43% | 9.08% | 8.77% | 8.70% | 8.69% | -74 bps | |
| Net Worth / Assets | 8.44% | 8.69% | 9.29% | 9.43% | 9.08% | 8.77% | 8.70% | 8.69% | -74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.46% | 87.07% | 89.18% | 91.27% | 87.35% | 89.92% | 94.70% | 94.98% | +371 bps | |
| Liquid Assets / Assets | 16.81% | 11.25% | 10.34% | 7.36% | 10.77% | 8.57% | 4.18% | 4.54% | -282 bps | |