Vancouver, WA · Charter 7071
Q4 2003
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 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.48% | 0.51% | 0.41% | -0.06% | -0.39% | -0.17% | -0.52% | -94 bps | |
| Return on Equity | 3.17% | 5.50% | 5.74% | 4.80% | -0.68% | -4.68% | -2.08% | -6.52% | -1,132 bps | |
| Net Interest Margin | 3.61% | 3.55% | 3.66% | 3.46% | 3.27% | 3.40% | 3.37% | 3.44% | -1 bps | |
| Efficiency Ratio | 89.71% | 86.27% | 86.10% | 85.91% | 97.92% | 92.83% | 92.44% | 103.48% | +1,758 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.34% | 18.75% | 21.83% | 17.47% | 7.08% | 2.85% | 7.34% | 0.20% | -1,727 bps | |
| Loan Growth (YoY) | -7.80% | -15.90% | -16.11% | -12.80% | -11.94% | 3.91% | -0.18% | 0.64% | +1,344 bps | |
| Share Growth (YoY) | 15.18% | 21.59% | 23.37% | 18.20% | 6.44% | 3.10% | 8.45% | 1.55% | -1,665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.43% | 0.81% | 0.52% | 0.35% | 0.29% | 0.32% | 0.23% | -29 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 | 0.56% | 0.40% | 0.45% | 0.36% | 0.19% | 0.73% | 0.68% | 0.43% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 8.64% | 8.96% | 8.57% | 8.57% | 8.39% | 8.26% | 8.03% | -54 bps | |
| Net Worth / Assets | 8.75% | 8.64% | 8.96% | 8.57% | 8.57% | 8.39% | 8.26% | 8.03% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.82% | 61.00% | 63.48% | 58.30% | 57.76% | 61.48% | 58.43% | 57.78% | -52 bps | |
| Liquid Assets / Assets | 23.48% | 28.42% | 25.90% | 29.37% | 27.39% | 22.51% | 24.63% | 26.31% | -306 bps | |