Eugene, OR · Charter 60464
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.47% | 3.50% | 3.48% | 3.43% | 3.12% | -0.09% | 0.03% | -0.98% | -441 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | -13.24% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.27% | 4.40% | 4.69% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 100.86% | 97.79% | 107.29% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.77% | 4.47% | 6.37% | 7.00% | -3.32% | 0.47% | -6.85% | -12.72% | -1,972 bps | |
| Loan Growth (YoY) | 2.65% | -3.36% | -1.60% | -6.19% | -11.31% | -13.94% | -10.00% | -0.35% | +584 bps | |
| Share Growth (YoY) | -7.64% | 9.11% | 6.55% | 6.28% | -4.71% | -2.95% | -9.74% | -11.76% | -1,804 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 1.53% | 0.77% | 1.16% | 2.72% | 3.08% | 2.73% | 3.02% | +186 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 | 0.58% | 0.60% | 0.52% | 0.60% | 0.65% | 0.64% | 0.56% | 0.63% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.41% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 7.41% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.14% | 83.81% | 79.90% | 75.92% | 79.24% | 74.31% | 79.67% | 85.73% | +982 bps | |
| Liquid Assets / Assets | 6.46% | 5.68% | 21.97% | 21.65% | 18.73% | 14.09% | 6.31% | 13.58% | -807 bps | |