Pierce, ID · Charter 66852
Q4 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.14% | 3.24% | 3.03% | 0.68% | 0.35% | 0.56% | 2.92% | -0.20% | -88 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 | 8.09% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 102.14% | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -7.85% | -15.32% | -20.42% | -14.98% | -6.87% | 3.51% | 7.28% | +2,770 bps | |
| Loan Growth (YoY) | -4.25% | -24.47% | -18.91% | -33.18% | -29.61% | 10.53% | 9.20% | 28.51% | +6,169 bps | |
| Share Growth (YoY) | -15.89% | -5.09% | -19.84% | -25.63% | -12.69% | -6.79% | 8.88% | 11.06% | +3,669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.59% | 9.61% | 12.30% | 6.05% | 11.29% | 4.89% | 4.75% | 1.33% | -472 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 | 0.24% | 0.30% | 0.30% | 3.67% | 2.76% | 2.53% | 3.08% | 0.71% | -296 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 | 146.30% | 113.93% | 139.37% | 121.14% | 117.95% | 135.10% | 139.78% | 140.18% | +1,903 bps | |
| Liquid Assets / Assets | 2.63% | 18.64% | 7.13% | 20.32% | 17.28% | 5.38% | 5.50% | 2.07% | -1,825 bps | |