Wenatchee, WA · Charter 68263
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.92% | 0.19% | 0.03% | -1.81% | -1.34% | -7.09% | -10.32% | -1,035 bps | |
| Return on Equity | 7.57% | 10.98% | 2.39% | 0.34% | -27.01% | -19.54% | -131.36% | -435% | -43,527 bps | |
| Net Interest Margin | 5.77% | 6.37% | 5.34% | 5.16% | 5.23% | 5.28% | 5.10% | 5.36% | +20 bps | |
| Efficiency Ratio | 75.62% | 72.70% | 75.12% | 76.27% | 79.30% | 80.22% | 90.30% | 184.84% | +10,858 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.79% | -4.01% | -0.97% | 1.54% | 3.41% | 2.72% | -6.04% | -13.53% | -1,507 bps | |
| Loan Growth (YoY) | -4.17% | -9.09% | -9.72% | -6.50% | -7.16% | -7.44% | -14.41% | -25.46% | -1,896 bps | |
| Share Growth (YoY) | 2.91% | -4.18% | -1.64% | 1.67% | 5.61% | 4.66% | -3.28% | -8.61% | -1,029 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.28% | 3.65% | 1.32% | 1.99% | 1.32% | 3.84% | 2.95% | 1.64% | -35 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 | 0.85% | 1.32% | 1.25% | 0.79% | 2.67% | 2.72% | 4.55% | 3.61% | +282 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.41% | 8.08% | 7.80% | 6.68% | 6.85% | 5.40% | 2.37% | -543 bps | |
| Net Worth / Assets | 8.38% | 8.41% | 8.08% | 7.80% | 6.68% | 6.85% | 5.40% | 2.37% | -543 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.81% | 85.89% | 79.55% | 76.81% | 78.07% | 75.96% | 70.40% | 62.65% | -1,416 bps | |
| Liquid Assets / Assets | 2.74% | 6.42% | 13.41% | 14.96% | 10.57% | 11.61% | 15.48% | 21.27% | +631 bps | |