Joseph, OR · Cert 17445
FDIC · 10 branches
Q1 2025
Market Position · Walla Walla, WA · 2024 SOD (annual) · 3.6% share · #7 of 7 inst. · $0.1B of $1.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.57% | 0.59% | 0.71% | 0.73% | +20 bps | |
| Return on Equity | 14.29% | 14.80% | 13.84% | 16.38% | 14.54% | +24 bps | |
| Net Interest Margin | 2.42% | 2.50% | 2.52% | 2.54% | 2.79% | +37 bps | |
| Efficiency Ratio | 77.54% | 76.27% | 75.67% | 72.94% | 72.05% | -549 bps | |
| Non-Interest Burden | 1.78% | 1.80% | 1.80% | 1.74% | 1.90% | +12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.78% | 0.05% | 6.42% | -2.03% | -4.01% | -479 bps | |
| Loan Growth (YoY) | 1.70% | -2.88% | -4.57% | -3.50% | -4.22% | -593 bps | |
| Deposit Growth (YoY) | -1.70% | 0.25% | 3.23% | 1.05% | -2.31% | -61 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.91% | 0.86% | 0.82% | 0.78% | -14 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.37% | 1.40% | 1.39% | 1.27% | 1.27% | -10 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.5x | 1.6x | 1.6x | 1.6x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.78% | 9.10% | 9.08% | 9.09% | 9.55% | +77 bps | |
| Total Risk-Based Capital | 25.15% | 25.84% | 25.62% | 26.18% | 26.58% | +143 bps | |
| Equity / Assets | 3.69% | 4.05% | 5.48% | 4.55% | 5.58% | +188 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.74% | 27.08% | 25.84% | 25.92% | 27.20% | -54 bps | |
| Liquid Assets / Assets | 0.81% | 2.65% | 5.74% | 1.65% | 0.23% | -58 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |