Hermiston, OR · Charter 68379
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.30% | 1.44% | 1.51% | 1.49% | 0.93% | 1.34% | 1.67% | +16 bps | |
| Return on Equity | 14.05% | 10.86% | 11.70% | 11.83% | 11.32% | 7.30% | 10.39% | 12.33% | +50 bps | |
| Net Interest Margin | 4.15% | 4.14% | 3.85% | 3.95% | 4.20% | 3.85% | 4.38% | 4.06% | +11 bps | |
| Efficiency Ratio | 68.57% | 78.57% | 73.96% | 72.58% | 73.57% | 74.87% | 71.92% | 67.57% | -501 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.81% | 7.14% | 5.34% | 5.55% | 6.26% | 4.23% | 6.46% | 6.62% | +107 bps | |
| Loan Growth (YoY) | 16.14% | 10.84% | 13.73% | 10.98% | 12.25% | 16.83% | 19.69% | 20.64% | +966 bps | |
| Share Growth (YoY) | 5.27% | 5.65% | 3.65% | 3.96% | 4.76% | 2.75% | 4.82% | 5.15% | +119 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.25% | 0.21% | 0.27% | 0.68% | 0.29% | 0.25% | 0.90% | +63 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 | 0.78% | 0.74% | 0.67% | 0.62% | 0.60% | 0.63% | 0.62% | 0.56% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.38% | 11.94% | 12.29% | 12.74% | 13.13% | 12.81% | 12.92% | 13.53% | +79 bps | |
| Net Worth / Assets | 12.38% | 11.94% | 12.29% | 12.74% | 13.13% | 12.81% | 12.92% | 13.53% | +79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.53% | 75.43% | 78.77% | 80.88% | 84.14% | 85.76% | 89.94% | 92.79% | +1,192 bps | |
| Liquid Assets / Assets | 17.38% | 19.90% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |