Spokane, WA · Charter 68252
Q1 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.90% | 0.92% | 0.76% | 0.87% | 0.94% | 0.92% | 0.78% | +2 bps | |
| Return on Equity | 7.70% | 8.38% | 8.31% | 7.16% | 7.95% | 8.24% | 7.89% | 6.36% | -81 bps | |
| Net Interest Margin | 3.07% | 3.07% | 3.10% | 2.85% | 2.97% | 3.06% | 3.05% | 2.94% | +9 bps | |
| Efficiency Ratio | 72.08% | 69.49% | 69.70% | 73.94% | 71.04% | 69.45% | 69.80% | 74.47% | +53 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.08% | 16.36% | 7.91% | 4.54% | 5.96% | 2.76% | 2.25% | -6.20% | -1,074 bps | |
| Loan Growth (YoY) | -28.75% | -31.83% | -28.28% | -19.05% | -22.39% | -20.67% | -20.45% | -22.61% | -356 bps | |
| Share Growth (YoY) | 19.13% | 17.05% | 7.39% | 3.95% | 5.62% | 2.07% | 1.60% | -7.93% | -1,187 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.31% | 0.32% | 0.28% | 0.28% | 0.24% | 0.23% | 0.23% | -5 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 | 0.63% | 0.74% | 0.53% | 0.34% | 0.40% | 0.45% | 0.49% | 0.53% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.57% | 10.71% | 11.04% | 10.63% | 10.90% | 11.36% | 11.72% | 12.28% | +165 bps | |
| Net Worth / Assets | 10.57% | 10.71% | 11.04% | 10.63% | 10.90% | 11.36% | 11.72% | 12.28% | +165 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.41% | 49.82% | 47.06% | 42.21% | 39.98% | 38.72% | 36.85% | 35.47% | -673 bps | |
| Liquid Assets / Assets | 43.54% | 40.19% | 34.43% | 28.80% | 21.44% | 18.44% | 18.23% | 22.89% | -591 bps | |