Ridgefield, WA · Charter 19130
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.37% | 3.29% | 3.05% | 0.15% | 0.11% | -0.09% | -5.70% | -2.73% | -287 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -1.55% | -205% | -97.51% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 4.31% | 4.72% | 3.67% | 3.65% | 3.47% | -84 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 97.04% | 98.08% | 102.15% | 104.03% | 86.80% | -1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.27% | -0.75% | -3.29% | -7.68% | 5.06% | 23.97% | 36.73% | 42.19% | +4,986 bps | |
| Loan Growth (YoY) | -0.86% | -3.39% | 0.87% | 8.57% | -5.36% | -6.44% | -9.09% | -19.27% | -2,785 bps | |
| Share Growth (YoY) | -11.53% | -0.92% | -3.55% | -7.48% | 5.30% | 23.70% | 41.20% | 46.81% | +5,430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.70% | 2.92% | 0.05% | 0.87% | 2.28% | 0.62% | 12.25% | 17.10% | +1,623 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 | 3.02% | 3.09% | 3.30% | 3.03% | 3.43% | 0.97% | 6.51% | 4.11% | +108 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 6.06% | 2.77% | 2.80% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 6.06% | 2.77% | 2.80% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.49% | 82.09% | 80.20% | 88.03% | 75.94% | 62.09% | 51.64% | 48.41% | -3,963 bps | |
| Liquid Assets / Assets | 16.00% | 17.22% | 20.15% | 11.18% | 23.49% | 36.79% | 25.47% | 49.28% | +3,810 bps | |