West Linn, OR · Charter 3534
Q4 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 3.10% | 3.53% | 4.30% | 4.56% | 4.54% | 4.17% | +63 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -2.34% | 5.74% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -4.25% | -8.51% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -4.21% | 3.52% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.79% | 0.82% | 0.77% | 0.85% | 1.17% | 1.85% | +103 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.72% | 1.76% | 1.85% | 2.26% | 2.21% | +49 bps | |
| Capital | ||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | ||||||||
| Loans / Shares | 58.73% | 67.29% | 66.27% | 66.30% | 58.71% | 59.47% | -782 bps | |
| Liquid Assets / Assets | 37.90% | 31.28% | 29.99% | 31.64% | 35.38% | 38.93% | +764 bps | |