Grants Pass, OR · Charter 68534
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.94% | -1.32% | -0.93% | -0.89% | -0.29% | -0.01% | 0.68% | 0.76% | +165 bps | |
| Return on Equity | -22.09% | -15.58% | -10.54% | -10.27% | -3.31% | -0.12% | 7.27% | 7.95% | +1,822 bps | |
| Net Interest Margin | 3.29% | 3.41% | 3.58% | 3.63% | 3.90% | 3.98% | 3.73% | 3.69% | +6 bps | |
| Efficiency Ratio | 67.48% | 69.85% | 58.60% | 60.93% | 65.02% | 65.77% | 69.83% | 68.35% | +742 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.75% | 9.74% | 2.60% | 0.56% | -3.90% | -6.69% | -2.83% | -2.33% | -289 bps | |
| Loan Growth (YoY) | 0.01% | -5.15% | -7.66% | -6.98% | -5.83% | -6.22% | -10.74% | -12.75% | -577 bps | |
| Share Growth (YoY) | 6.38% | 9.86% | 5.97% | 3.65% | -2.01% | -5.40% | -3.30% | -3.18% | -683 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.89% | 1.87% | 2.46% | 2.43% | 2.31% | 2.50% | 2.87% | 2.92% | +49 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 | 1.57% | 1.77% | 1.91% | 2.10% | 2.34% | 2.54% | 2.54% | 2.40% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.79% | 8.49% | 8.86% | 8.68% | 8.69% | 8.89% | 9.34% | 9.51% | +83 bps | |
| Net Worth / Assets | 8.79% | 8.49% | 8.86% | 8.68% | 8.69% | 8.89% | 9.34% | 9.51% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.59% | 78.83% | 79.88% | 79.43% | 78.40% | 78.14% | 73.73% | 71.57% | -785 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |