Spokane, WA · Charter 6654
Q2 2000
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.58% | 2.94% | 3.40% | 4.16% | 4.19% | 3.82% | -0.50% | -0.25% | -442 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 | 3.61% | 3.51% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 96.23% | 103.54% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.31% | 4.02% | -4.28% | -6.40% | -5.38% | 1.64% | -3.63% | -7.77% | -137 bps | |
| Loan Growth (YoY) | -25.65% | -21.38% | -14.95% | -12.77% | -9.78% | -19.11% | -31.28% | -27.18% | -1,442 bps | |
| Share Growth (YoY) | 1.72% | 8.14% | -4.85% | -8.28% | -6.15% | 0.61% | -4.25% | -7.25% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.78% | 3.07% | 2.56% | 1.26% | 1.09% | 0.48% | 1.08% | 1.46% | +20 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 | 0.90% | 1.30% | 0.74% | 0.66% | 0.57% | 0.59% | 0.54% | 0.59% | -7 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 | 76.31% | 73.28% | 77.37% | 78.93% | 73.36% | 58.91% | 55.53% | 61.96% | -1,697 bps | |
| Liquid Assets / Assets | 11.84% | 10.17% | 6.34% | 3.02% | 2.58% | 6.55% | 6.74% | 8.83% | +581 bps | |