Walla Walla, WA · Charter 6251
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.72% | 0.70% | 0.96% | 1.16% | 1.00% | 0.89% | 0.56% | -41 bps | |
| Return on Equity | 4.00% | 6.10% | 5.73% | 7.93% | 9.53% | 8.34% | 7.41% | 4.73% | -320 bps | |
| Net Interest Margin | 3.25% | 3.34% | 3.36% | 3.34% | 3.30% | 3.19% | 3.16% | 3.02% | -32 bps | |
| Efficiency Ratio | 71.97% | 73.76% | 74.65% | 76.37% | 75.38% | 76.21% | 76.12% | 79.63% | +325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.69% | -2.64% | -1.64% | -0.61% | 0.05% | 7.08% | 10.07% | 10.53% | +1,113 bps | |
| Loan Growth (YoY) | 2.38% | 3.19% | 4.37% | 4.77% | 7.05% | 9.63% | 9.97% | 5.01% | +24 bps | |
| Share Growth (YoY) | -4.37% | -5.67% | -2.75% | -1.62% | 1.62% | 8.71% | 9.97% | 10.75% | +1,237 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.34% | 0.48% | 0.45% | 0.37% | 0.55% | 0.75% | 0.53% | +8 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 | 0.62% | 0.37% | 0.48% | 0.47% | 0.21% | 0.20% | 0.23% | 0.24% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.20% | 11.89% | 12.18% | 12.12% | 12.22% | 11.99% | 11.95% | 11.74% | -37 bps | |
| Net Worth / Assets | 11.20% | 11.89% | 12.18% | 12.12% | 12.22% | 11.99% | 11.95% | 11.74% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.06% | 77.95% | 77.24% | 76.54% | 79.07% | 78.61% | 77.24% | 72.57% | -397 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |