Vancouver, WA · Charter 6995
Q2 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.48% | 5.52% | 4.97% | 5.18% | 4.71% | 0.66% | -4.64% | 0.63% | -455 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.18% | 4.21% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 78.42% | 86.06% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 69.32% | 82.09% | 77.47% | 47.54% | 29.61% | 9.50% | -20.37% | -33.79% | -8,132 bps | |
| Loan Growth (YoY) | 64.99% | 60.54% | 63.50% | 39.97% | 20.91% | 0.57% | -20.03% | -31.18% | -7,115 bps | |
| Share Growth (YoY) | 72.29% | 87.22% | 82.39% | 50.71% | 32.90% | 14.09% | -16.89% | -31.99% | -8,270 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.15% | 2.03% | 2.28% | 1.66% | 1.83% | 2.12% | 1.36% | -92 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 | 0.63% | 0.36% | 0.32% | 0.16% | 0.82% | 1.83% | 4.06% | 2.39% | +223 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.24% | 88.08% | 87.82% | 83.92% | 83.91% | 77.64% | 84.50% | 84.91% | +100 bps | |
| Liquid Assets / Assets | 6.68% | 8.65% | 8.42% | 10.10% | 6.58% | 12.63% | 9.48% | 7.50% | -260 bps | |