Steilacoom, WA · Charter 7811
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 | 4.27% | 3.83% | 4.68% | 4.63% | 4.13% | 4.26% | 0.35% | -0.68% | -531 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 | 3.32% | 3.57% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 74.09% | 120.23% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.48% | 1.13% | 5.19% | 10.30% | 13.57% | 17.37% | 9.96% | 0.09% | -1,021 bps | |
| Loan Growth (YoY) | -22.49% | -17.00% | -4.09% | 9.18% | 11.07% | -11.58% | -20.44% | -6.91% | -1,609 bps | |
| Share Growth (YoY) | -10.78% | 0.46% | 4.00% | 9.02% | 13.23% | 17.32% | 10.21% | -0.57% | -959 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.17% | 1.13% | 0.69% | 1.76% | 1.87% | 0.00% | 0.56% | 3.52% | +176 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 | 2.72% | 1.57% | 1.71% | 1.70% | 2.24% | 2.34% | 2.57% | 2.05% | +35 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 | 54.98% | 64.61% | 68.32% | 67.91% | 53.93% | 48.69% | 49.32% | 63.58% | -433 bps | |
| Liquid Assets / Assets | 43.91% | 35.19% | 34.12% | 35.45% | 48.47% | 55.76% | 54.24% | 41.34% | +589 bps | |