Portland, OR · Charter 20298
Q2 1999
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 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.43% | 5.04% | 5.44% | 4.71% | 4.79% | 3.82% | 4.42% | 2.97% | -174 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | -4.01% | -5.59% | -4.21% | 4.86% | 4.48% | 4.83% | -1.17% | +304 bps | |
| Loan Growth (YoY) | n/a | 0.36% | 3.62% | 2.22% | -6.96% | -1.03% | 1.33% | -7.20% | -942 bps | |
| Share Growth (YoY) | n/a | -6.49% | -8.56% | -9.96% | -0.46% | 0.81% | 2.58% | 6.64% | +1,660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.02% | 2.06% | 3.33% | 1.92% | 4.56% | 1.39% | 1.93% | 4.25% | +233 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 | 1.08% | 1.12% | 1.02% | 0.72% | 0.75% | 0.82% | 0.79% | 0.88% | +15 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 | 91.34% | 87.87% | 94.61% | 91.95% | 85.38% | 86.27% | 93.46% | 80.02% | -1,193 bps | |
| Liquid Assets / Assets | 18.68% | 22.12% | 16.41% | 20.00% | 30.27% | 22.88% | 18.27% | 23.75% | +375 bps | |