Hood River, OR · Charter 18070
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.17% | 4.46% | 4.64% | 2.56% | 1.25% | 2.92% | -0.41% | -0.12% | -267 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 | 3.62% | 3.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 99.45% | 99.57% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.32% | 48.42% | 46.33% | 24.27% | 23.32% | 15.84% | 7.88% | -6.45% | -3,073 bps | |
| Loan Growth (YoY) | 15.23% | 25.08% | 36.29% | 23.48% | -7.94% | -32.36% | -40.52% | -39.59% | -6,307 bps | |
| Share Growth (YoY) | 53.09% | 51.76% | 50.41% | 24.61% | 27.90% | 20.92% | 12.52% | -2.39% | -2,700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.18% | 0.05% | 8.27% | 2.45% | 3.20% | 3.01% | 3.34% | -494 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 | 0.49% | 0.35% | 0.62% | 1.24% | 2.82% | 2.79% | 3.23% | 3.31% | +207 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 | 73.30% | 79.27% | 81.60% | 68.85% | 52.76% | 44.34% | 43.14% | 42.61% | -2,624 bps | |
| Liquid Assets / Assets | 18.02% | 13.68% | 10.52% | 21.45% | 21.81% | 32.57% | 37.17% | 34.91% | +1,346 bps | |