Portland, OR · Charter 63623
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.15% | 3.47% | 3.68% | 3.82% | 3.61% | 3.15% | 3.18% | 2.24% | -158 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 | -8.96% | -17.25% | -17.42% | -11.95% | -11.79% | -10.42% | -13.32% | +410 bps | |
| Loan Growth (YoY) | n/a | -14.71% | -22.99% | -34.28% | -39.86% | -49.11% | -48.50% | -54.24% | -1,996 bps | |
| Share Growth (YoY) | n/a | -11.66% | -20.64% | -21.30% | -15.02% | -14.88% | -13.40% | -15.62% | +568 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.95% | 1.82% | 0.88% | 0.04% | 0.25% | 0.38% | 0.00% | 0.54% | +50 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 | 0.85% | 1.50% | 1.27% | 0.95% | 1.57% | 1.69% | 1.93% | 2.52% | +158 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 | 55.23% | 50.99% | 50.82% | 45.93% | 39.09% | 30.49% | 30.22% | 24.91% | -2,102 bps | |
| Liquid Assets / Assets | 48.06% | 52.52% | 53.03% | 57.49% | 63.18% | 71.00% | 71.75% | 77.62% | +2,013 bps | |