PackageTrendsPeer
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United Sound Community

Poulsbo, WA · Charter 68208

Q4 2000

$6.4MAssets
$4.3MLoans
$5.6MShares
$784KNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, down 249 bps year over year; NIM at 5.13%.
  • Asset quality: problem loans at 0.49% of loans (-57 bps YoY).
  • Capital: net worth / assets of 12.16%.
  • Funding: loans stand at 75.35% of shares as of Q4 2000.

Return on Assets (quarter, annualized)

0.77%-249 bps YoY

Net Interest Margin (quarter, annualized)

5.13%

Efficiency Ratio (quarter, annualized)

86.56%

Net Worth / Assets

12.16%
n/a

Discrete quarter, annualized.

MetricQ2 1997Q4 1997Q2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.69%3.38%3.33%3.26%3.07%0.66%0.49%0.77%-249 bps
Return on Equityn/an/an/an/an/an/an/a6.31%n/an/a
Net Interest Marginn/an/an/an/an/a4.51%4.68%5.13%n/a
Efficiency Ration/an/an/an/an/a87.29%90.35%86.56%n/a
Growth
Asset Growth (YoY)n/an/an/an/a8.19%-2.75%-2.72%-13.29%n/a
Loan Growth (YoY)n/an/an/an/a-12.31%-9.81%-19.12%-16.61%n/a
Share Growth (YoY)n/an/an/an/a8.01%-4.16%-3.79%-15.65%n/a
Asset Quality
Delinquent Loans / Loans0.31%0.91%1.05%1.06%0.53%0.48%0.33%0.49%-57 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.11%1.25%0.87%0.95%0.80%0.77%0.56%0.29%-67 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a12.16%n/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a12.16%n/an/a
Liquidity & Funding
Loans / Shares91.17%76.64%86.31%76.22%74.01%72.13%72.56%75.35%-87 bps
Liquid Assets / Assets10.30%24.89%16.62%24.57%30.74%2.79%10.15%31.07%+650 bps