The Dalles, OR · Charter 12046
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 | 3.82% | 4.22% | 2.88% | 2.31% | 3.18% | 2.42% | 1.96% | 3.17% | +86 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 | 13.86% | 24.07% | 25.22% | 15.66% | -1.21% | -2.30% | -13.01% | -3,823 bps | |
| Loan Growth (YoY) | n/a | -0.62% | -19.56% | -19.91% | -15.05% | 2.53% | 4.79% | -1.80% | +1,811 bps | |
| Share Growth (YoY) | n/a | 12.79% | 26.23% | 29.70% | 21.03% | 3.50% | -1.80% | -8.50% | -3,820 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.45% | 5.57% | 5.34% | 4.49% | 3.85% | 3.62% | 3.68% | 2.71% | -178 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 | 1.80% | 0.52% | 1.25% | 0.75% | 0.56% | 0.98% | 1.44% | 2.57% | +182 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 | 86.03% | 66.17% | 60.35% | 56.66% | 60.38% | 65.55% | 64.39% | 60.81% | +415 bps | |
| Liquid Assets / Assets | 4.99% | 27.15% | 37.29% | 35.90% | 33.44% | 25.76% | 23.50% | 29.40% | -650 bps | |