Spokane, WA · Charter 68199
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.06% | 1.35% | 1.28% | 1.18% | 1.15% | 0.24% | 0.24% | -104 bps | |
| Return on Equity | 6.15% | 6.47% | 8.09% | 7.77% | 7.02% | 6.78% | 1.43% | 1.36% | -641 bps | |
| Net Interest Margin | 4.76% | 4.32% | 4.38% | 4.27% | 4.35% | 4.30% | 4.08% | 4.10% | -17 bps | |
| Efficiency Ratio | 70.10% | 74.05% | 72.42% | 71.12% | 73.19% | 67.47% | 85.56% | 88.12% | +1,700 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.80% | 12.64% | 8.90% | 10.76% | 8.92% | 4.50% | 2.03% | -3.70% | -1,446 bps | |
| Loan Growth (YoY) | -6.22% | -7.14% | -3.99% | 4.17% | 10.07% | 14.99% | 6.57% | -9.00% | -1,317 bps | |
| Share Growth (YoY) | 6.75% | 14.19% | 11.68% | 10.81% | 6.39% | 1.87% | 0.54% | -2.96% | -1,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.33% | 0.47% | 0.94% | 0.75% | 0.98% | 0.33% | 1.02% | 0.00% | -75 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 | 0.49% | 0.59% | 0.57% | 0.53% | 0.58% | 0.46% | 0.61% | 0.35% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.08% | 16.42% | 16.64% | 16.46% | 16.86% | 16.91% | 16.95% | 17.49% | +103 bps | |
| Net Worth / Assets | 17.08% | 16.42% | 16.64% | 16.46% | 16.86% | 16.91% | 16.95% | 17.49% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.09% | 74.53% | 75.64% | 82.66% | 84.93% | 84.13% | 80.17% | 77.52% | -515 bps | |
| Liquid Assets / Assets | 30.19% | 34.42% | 35.76% | 21.45% | 21.88% | 18.90% | 29.30% | 30.23% | +878 bps | |