Portland, OR · Charter 61458
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 | 4.79% | 4.77% | 4.16% | 4.45% | 4.41% | 4.06% | 4.04% | 4.00% | -45 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 | -2.96% | -9.80% | -1.99% | 3.84% | 0.98% | 6.34% | +1,614 bps | |
| Loan Growth (YoY) | n/a | n/a | -8.06% | -12.32% | -6.38% | -5.43% | -2.00% | 1.63% | +1,396 bps | |
| Share Growth (YoY) | n/a | n/a | -3.49% | -13.55% | -5.00% | 2.67% | -0.57% | 6.10% | +1,966 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.54% | 3.05% | 0.09% | 4.81% | 2.42% | 0.58% | 0.92% | 0.00% | -481 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 | 1.04% | 1.19% | 1.32% | 1.38% | 0.83% | 1.06% | 0.64% | 0.43% | -95 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 | 86.20% | 79.55% | 75.31% | 82.73% | 84.95% | 73.27% | 74.23% | 79.24% | -349 bps | |
| Liquid Assets / Assets | 19.31% | 23.12% | 29.62% | 22.74% | 15.21% | 35.59% | 33.35% | 31.95% | +921 bps | |