Portland, OR · Charter 2356
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.93% | 4.08% | 3.84% | 3.97% | 3.61% | 0.37% | -0.02% | 0.03% | -393 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.37% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.95% | 3.79% | 3.81% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 88.02% | 93.35% | 93.89% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 153.83% | 5.93% | 17.78% | 23.54% | 15.52% | 14.44% | 5.37% | 3.62% | -1,992 bps | |
| Loan Growth (YoY) | 135.51% | 10.41% | 4.34% | -6.15% | -8.23% | 8.54% | 24.23% | 31.29% | +3,743 bps | |
| Share Growth (YoY) | 154.44% | 5.28% | 18.68% | 25.72% | 16.55% | 15.28% | -1.43% | 0.24% | -2,547 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.24% | 0.61% | 0.46% | 0.69% | 0.57% | 0.36% | 0.50% | +4 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 | 0.75% | 0.75% | 0.64% | 0.61% | 0.59% | 0.59% | 0.60% | 0.61% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.93% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.93% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.19% | 84.70% | 71.75% | 68.52% | 67.07% | 79.75% | 90.43% | 89.73% | +2,122 bps | |
| Liquid Assets / Assets | 16.46% | 19.95% | 19.49% | 20.02% | 25.32% | 6.73% | 7.05% | 8.67% | -1,135 bps | |