Yakima, WA · Charter 6066
Q4 1998
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 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.99% | 4.00% | 2.22% | 4.13% | 3.78% | 3.73% | 1.91% | 2.42% | -170 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -7.15% | -1.16% | 9.78% | 4.72% | 3.72% | -5.28% | -412 bps | |
| Loan Growth (YoY) | n/a | n/a | -5.98% | -2.52% | -8.59% | 18.01% | 23.76% | 13.15% | +1,567 bps | |
| Share Growth (YoY) | n/a | n/a | -7.33% | -0.72% | 8.93% | 3.64% | 0.41% | -4.49% | -376 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.65% | 0.05% | 0.58% | 0.70% | 0.80% | 1.31% | 3.01% | +243 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 | 0.46% | 0.48% | 0.78% | 0.66% | 0.99% | 0.74% | 0.58% | 1.53% | +86 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 | 97.08% | 84.76% | 84.63% | 85.91% | 81.47% | 96.52% | 104.31% | 101.78% | +1,587 bps | |
| Liquid Assets / Assets | 11.50% | 20.14% | 21.91% | 16.67% | 23.93% | 11.70% | 4.72% | 5.05% | -1,163 bps | |