Vancouver, WA · Charter 68260
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.78% | 2.98% | 3.20% | 0.37% | 0.58% | 0.42% | -0.06% | 0.02% | -35 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 5.39% | -0.77% | 0.21% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.14% | 6.60% | 6.60% | 6.17% | 7.00% | +86 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 95.23% | 92.74% | 93.09% | 92.67% | 93.95% | -127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | -1.15% | -4.46% | -7.27% | -11.41% | -6.56% | -12.02% | -756 bps | |
| Loan Growth (YoY) | n/a | n/a | -5.17% | -4.91% | 0.19% | -8.37% | -11.23% | -8.98% | -407 bps | |
| Share Growth (YoY) | n/a | n/a | -2.63% | -6.09% | -9.24% | -13.06% | -7.04% | -12.84% | -675 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.76% | 1.03% | 1.98% | 1.16% | 0.82% | 2.94% | 3.57% | 1.46% | +30 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 | 1.09% | 0.69% | 0.35% | 0.67% | 0.63% | 0.72% | 0.86% | 1.07% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 7.77% | 7.59% | 8.37% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 7.77% | 7.59% | 8.37% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.13% | 82.15% | 85.34% | 88.95% | 86.25% | 86.59% | 81.50% | 92.88% | +393 bps | |
| Liquid Assets / Assets | 19.23% | 18.55% | 9.55% | 0.00% | 10.22% | 15.65% | 20.15% | 10.91% | +1,091 bps | |