Ephrata, WA · Charter 7047
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.14% | 0.25% | 0.29% | 0.92% | 1.03% | 1.06% | 0.95% | +66 bps | |
| Return on Equity | 0.59% | 1.23% | 2.21% | 2.50% | 7.83% | 8.34% | 8.64% | 7.66% | +516 bps | |
| Net Interest Margin | 3.41% | 3.48% | 3.64% | 3.71% | 4.04% | 4.15% | 3.98% | 3.93% | +22 bps | |
| Efficiency Ratio | 88.20% | 87.30% | 83.92% | 82.81% | 81.27% | 79.78% | 79.01% | 81.27% | -154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.63% | 2.51% | -0.88% | 0.14% | -2.27% | -5.08% | 0.28% | 0.27% | +13 bps | |
| Loan Growth (YoY) | -2.65% | 0.95% | 2.17% | 5.00% | 5.70% | 8.59% | 8.77% | 1.97% | -302 bps | |
| Share Growth (YoY) | 2.84% | 1.18% | -1.10% | -0.52% | -3.66% | -5.76% | -1.19% | -0.76% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.20% | 1.07% | 0.62% | 0.44% | 0.45% | 0.42% | 0.79% | +17 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 | 0.89% | 0.91% | 0.88% | 0.89% | 0.85% | 0.77% | 0.68% | 0.52% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.01% | 11.03% | 11.41% | 11.47% | 11.77% | 12.37% | 12.28% | 12.39% | +92 bps | |
| Net Worth / Assets | 11.01% | 11.03% | 11.41% | 11.47% | 11.77% | 12.37% | 12.28% | 12.39% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.00% | 72.92% | 73.83% | 76.42% | 76.79% | 84.03% | 81.27% | 78.52% | +210 bps | |
| Liquid Assets / Assets | 34.46% | 32.73% | 25.03% | 21.50% | 19.33% | 12.11% | 16.96% | 27.58% | +608 bps | |