PackageTrendsPeer
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Riverbend

Spokane, WA · Charter 20288

Q4 1996

$3.9MAssets
$2.4MLoans
$3.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, down 270 bps year over year.
  • Asset quality: problem loans at 4.23% of loans (-248 bps YoY).
  • Funding: loans stand at 69.47% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

0.92%-270 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 1996YoY ΔTrend
Earnings
Return on Assets3.53%3.62%2.09%2.82%-1.54%0.92%-270 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-14.38%-7.39%n/a
Loan Growth (YoY)n/an/an/an/a13.06%2.27%n/a
Share Growth (YoY)n/an/an/an/a-10.94%-4.24%n/a
Asset Quality
Delinquent Loans / Loans2.79%6.72%2.59%1.89%4.15%4.23%-248 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans0.87%0.99%0.87%0.93%2.88%2.76%+176 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares60.81%65.05%72.89%75.47%77.20%69.47%+443 bps
Liquid Assets / Assets20.96%10.84%19.07%25.70%28.95%35.29%+2,446 bps