Portland, OR · Charter 64161
Q2 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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.95% | 3.11% | 3.54% | 3.32% | 3.42% | 3.67% | 3.42% | -1.64% | -496 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 | n/a | -2.05% | 6.40% | 7.66% | 11.40% | -3.74% | -168 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 18.10% | 13.86% | 6.29% | 9.69% | -7.86% | -2,595 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -2.26% | 7.07% | 4.90% | 9.84% | -9.56% | -729 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.08% | 0.31% | 0.08% | 0.05% | 1.83% | 1.68% | 6.26% | +618 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 | 1.64% | 1.50% | 1.09% | 1.16% | 1.15% | 1.09% | 1.36% | 0.32% | -83 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 | 82.02% | 86.25% | 82.37% | 91.34% | 87.22% | 87.39% | 82.27% | 93.05% | +172 bps | |
| Liquid Assets / Assets | 6.72% | 17.13% | 14.40% | 4.34% | 7.99% | 8.82% | 14.03% | 7.11% | +277 bps | |