Tacoma, WA · Charter 66846
Q4 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 | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.19% | 4.22% | 1.27% | 1.26% | 0.77% | 0.78% | 0.85% | 0.85% | -41 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 9.79% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.02% | 4.05% | 3.95% | 4.00% | 3.90% | 3.86% | -19 bps | |
| Efficiency Ratio | n/a | n/a | 66.23% | 67.25% | 75.39% | 76.95% | 75.49% | 75.02% | +777 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.16% | 16.52% | 10.14% | 6.12% | 3.02% | 3.23% | 4.04% | 7.61% | +148 bps | |
| Loan Growth (YoY) | 8.81% | 11.39% | 7.08% | 2.29% | 3.76% | 4.35% | 5.29% | 5.76% | +347 bps | |
| Share Growth (YoY) | 5.15% | 3.34% | 7.46% | 8.81% | 10.94% | 7.18% | 3.03% | 1.71% | -710 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.41% | 0.38% | 0.34% | 0.34% | 0.35% | 0.39% | 0.49% | +16 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 | 1.20% | 1.15% | 1.13% | 1.03% | 1.05% | 0.97% | 0.99% | 1.09% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.71% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.71% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.04% | 101.36% | 97.44% | 93.26% | 92.63% | 98.69% | 99.58% | 96.97% | +371 bps | |
| Liquid Assets / Assets | 18.51% | 18.59% | 18.74% | 19.80% | 2.79% | 0.18% | 0.17% | 1.30% | -1,849 bps | |