Spokane, WA · Charter 6846
Q3 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.60% | 1.23% | 1.33% | 1.29% | 1.40% | 1.05% | 1.54% | 1.83% | +54 bps | |
| Return on Equity | -3.47% | 7.22% | 7.40% | 7.25% | 7.27% | 5.68% | 7.89% | 8.89% | +164 bps | |
| Net Interest Margin | 4.66% | 4.71% | 4.94% | 4.76% | 5.03% | 4.86% | 5.31% | 5.23% | +47 bps | |
| Efficiency Ratio | 95.23% | 76.29% | 73.44% | 74.01% | 73.53% | 78.07% | 74.01% | 74.71% | +70 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.77% | 1.11% | -5.18% | -2.12% | -2.13% | -1.42% | -0.60% | -5.54% | -343 bps | |
| Loan Growth (YoY) | -27.98% | -17.06% | 8.57% | 9.66% | 24.77% | 22.10% | 12.80% | 4.07% | -559 bps | |
| Share Growth (YoY) | -3.54% | 2.13% | -6.74% | -3.88% | -4.14% | -3.25% | -2.44% | -8.72% | -485 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.22% | 1.07% | 0.55% | 0.46% | 0.88% | 0.66% | 0.63% | +8 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 | 1.14% | 1.16% | 1.18% | 1.02% | 0.99% | 1.10% | 1.08% | 0.61% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.42% | 17.00% | 18.03% | 17.75% | 19.20% | 18.52% | 19.57% | 20.54% | +279 bps | |
| Net Worth / Assets | 17.42% | 17.00% | 18.03% | 17.75% | 19.20% | 18.52% | 19.57% | 20.54% | +279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.48% | 61.06% | 72.82% | 71.59% | 82.63% | 77.06% | 84.20% | 81.62% | +1,003 bps | |
| Liquid Assets / Assets | 44.55% | 47.61% | 38.58% | 10.40% | 30.71% | 34.11% | 29.67% | 32.46% | +2,207 bps | |