Walla Walla, WA · Charter 5837
Q4 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.50% | 1.54% | 2.14% | 1.71% | 2.29% | 2.38% | 3.01% | 0.67% | -105 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 | 3.68% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 85.51% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.09% | -11.78% | -12.32% | -15.21% | -16.79% | 2.18% | 14.17% | 16.75% | +3,196 bps | |
| Loan Growth (YoY) | -18.47% | -22.92% | -15.95% | -15.53% | -16.45% | -6.23% | 5.86% | 12.17% | +2,770 bps | |
| Share Growth (YoY) | 7.24% | -11.08% | -10.95% | -13.38% | -15.32% | 3.61% | 16.14% | 17.63% | +3,102 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.11% | 1.41% | 0.89% | 2.59% | 0.51% | 0.62% | 0.34% | 1.91% | -68 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 | 0.36% | 0.57% | 0.16% | 0.73% | 1.06% | 1.11% | 0.80% | 0.85% | +12 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 | 71.61% | 81.78% | 86.28% | 83.51% | 70.65% | 74.02% | 78.64% | 79.63% | -388 bps | |
| Liquid Assets / Assets | 20.08% | 12.15% | 5.00% | 8.85% | 17.67% | 20.36% | 14.39% | 13.11% | +426 bps | |