PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Providence St. Vincent

Portland, OR · Charter 15372

Q2 1997

$20.1MAssets
$13.9MLoans
$17.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.57%, up 20 bps year over year.
  • Asset quality: problem loans at 0.80% of loans (+29 bps YoY).
  • Funding: loans stand at 78.57% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

5.57%+20 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets4.20%4.73%5.36%5.16%5.43%5.31%5.57%+20 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a28.19%36.35%47.31%n/a
Loan Growth (YoY)n/an/an/an/a34.70%39.86%37.70%n/a
Share Growth (YoY)n/an/an/an/a25.30%35.51%48.21%n/a
Asset Quality
Delinquent Loans / Loans0.45%0.45%0.51%0.39%0.27%0.58%0.80%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.53%0.61%0.60%0.51%0.69%0.72%+11 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares69.27%77.77%84.57%80.88%74.47%80.27%78.57%-600 bps
Liquid Assets / Assets26.80%22.63%19.47%19.85%24.44%20.64%20.86%+139 bps