Camas, WA · Charter 24447
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Camas, WA · Charter 24447
Q3 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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50% | 0.79% | 0.75% | 0.73% | 0.70% | 0.49% | 0.41% | 0.38% | -35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 8.73% | 6.20% | 5.28% | 5.15% | n/a | |
| Net Interest Margin | 3.25% | 3.37% | 3.37% | 3.34% | 3.21% | 2.92% | 2.81% | 2.66% | -68 bps | |
| Efficiency Ratio | 72.37% | 73.59% | 75.01% | 76.06% | 77.60% | 82.97% | 84.41% | 83.76% | +770 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.86% | 2.69% | 1.83% | 3.00% | 3.91% | 6.98% | 10.34% | 15.67% | +1,267 bps | |
| Loan Growth (YoY) | 7.46% | 12.21% | 12.92% | 13.07% | 3.30% | 0.79% | -3.32% | 0.30% | -1,276 bps | |
| Share Growth (YoY) | 2.83% | 2.38% | 1.28% | 2.37% | 3.33% | 6.57% | 10.32% | 16.26% | +1,389 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.24% | 0.26% | 0.39% | 0.31% | 0.27% | 0.48% | 0.42% | +3 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 | 0.86% | 0.91% | 0.91% | 0.92% | 0.92% | 0.92% | 0.93% | 0.89% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.01% | 7.84% | 7.74% | 7.43% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.01% | 7.84% | 7.74% | 7.43% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.34% | 72.86% | 76.69% | 77.36% | 73.32% | 68.91% | 67.21% | 66.74% | -1,062 bps | |
| Liquid Assets / Assets | 9.00% | 7.68% | 4.34% | 4.69% | 11.31% | 17.06% | 16.27% | 15.24% | +1,055 bps | |