Hood River, OR · Charter 14109
Q4 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.83% | 4.51% | 5.05% | 4.91% | 5.06% | 4.63% | 3.85% | 3.99% | -92 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 | n/a | n/a | n/a | 9.21% | 4.27% | 10.95% | 8.68% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 19.96% | 6.44% | -3.28% | -8.84% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.70% | 1.34% | 9.58% | 7.15% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.58% | 0.69% | 1.37% | 1.36% | 1.62% | 2.16% | 1.70% | +33 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 | 0.39% | 0.43% | 0.63% | 0.78% | 0.95% | 1.50% | 1.23% | 1.39% | +61 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 | 79.18% | 79.96% | 86.09% | 87.70% | 89.02% | 83.99% | 75.98% | 74.62% | -1,309 bps | |
| Liquid Assets / Assets | 28.58% | 28.19% | 20.73% | 23.79% | 22.40% | 26.30% | 32.69% | 34.20% | +1,041 bps | |