Olympia, WA · Charter 7451
Q1 2006
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.05% | -0.48% | -1.07% | 0.40% | 0.47% | 0.85% | 0.98% | 1.95% | +155 bps | |
| Return on Equity | -0.38% | -3.74% | -8.45% | 3.37% | 3.94% | 7.00% | 7.81% | 14.52% | +1,115 bps | |
| Net Interest Margin | 3.40% | 3.40% | 3.58% | 3.49% | 3.49% | 3.53% | 3.59% | 3.89% | +40 bps | |
| Efficiency Ratio | 89.87% | 93.72% | 96.21% | 90.54% | 88.57% | 80.03% | 77.43% | 58.41% | -3,213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.08% | -10.35% | -10.86% | -3.91% | 2.62% | 5.31% | 9.53% | -0.91% | +300 bps | |
| Loan Growth (YoY) | 14.38% | 5.02% | 6.62% | 9.17% | 6.74% | 14.15% | 15.74% | 7.51% | -166 bps | |
| Share Growth (YoY) | -11.46% | -11.14% | -11.36% | -3.26% | 3.88% | 6.08% | 7.97% | -2.64% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.54% | 0.64% | 0.29% | 0.18% | 0.06% | 0.71% | 0.67% | 0.65% | +47 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 | 0.98% | 1.01% | 1.48% | 1.42% | 1.38% | 1.26% | 0.99% | 1.01% | -42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.05% | 12.81% | 12.61% | 11.93% | 11.99% | 12.17% | 12.49% | 13.43% | +151 bps | |
| Net Worth / Assets | 13.05% | 12.81% | 12.61% | 11.93% | 11.99% | 12.17% | 12.49% | 13.43% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.74% | 70.44% | 74.90% | 72.14% | 73.71% | 75.80% | 80.29% | 79.65% | +752 bps | |
| Liquid Assets / Assets | 34.16% | 34.70% | 31.36% | 33.66% | 32.33% | 30.78% | 28.00% | 28.18% | -548 bps | |