PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington County

Hillsboro, OR · Charter 16969

Q4 1997

$15.3MAssets
$11.9MLoans
$13.7MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 4.44%, down 9 bps year over year.
  • Asset quality: problem loans at 0.88% of loans (+76 bps YoY).
  • Funding: loans stand at 86.85% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

4.44%-9 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 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.82%4.30%4.35%4.52%4.60%4.82%4.26%4.44%-9 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a17.11%15.77%22.89%25.45%n/a
Loan Growth (YoY)n/an/an/an/a44.52%31.31%13.23%14.23%n/a
Share Growth (YoY)n/an/an/an/a15.77%14.46%22.09%24.16%n/a
Asset Quality
Delinquent Loans / Loans0.46%0.24%0.32%0.12%0.23%1.13%0.52%0.88%+76 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.45%0.42%0.50%0.35%0.52%0.22%0.42%-8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares68.18%82.36%93.15%94.40%85.11%94.48%86.39%86.85%-755 bps
Liquid Assets / Assets11.43%13.39%7.10%8.00%10.00%4.41%13.27%14.15%+615 bps