Vancouver, WA · Charter 8114
Q2 1999
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 | Q3 1997 | Q4 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.30% | 4.34% | 4.73% | 4.70% | 4.68% | 4.49% | 4.23% | 4.30% | -40 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.87% | 10.09% | 14.19% | 11.71% | 14.54% | 16.46% | 14.76% | 10.80% | -91 bps | |
| Loan Growth (YoY) | 7.85% | 6.23% | 5.45% | 9.49% | 8.92% | 9.29% | 10.76% | 7.82% | -167 bps | |
| Share Growth (YoY) | 6.48% | 9.71% | 14.19% | 11.09% | 14.06% | 16.65% | 14.80% | 10.71% | -38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.23% | 0.25% | 0.25% | 0.31% | 0.12% | 0.10% | 0.19% | -6 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 | 0.68% | 0.66% | 0.74% | 0.72% | 0.67% | 0.51% | 0.54% | 0.55% | -17 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 | 82.37% | 81.46% | 77.02% | 80.00% | 78.67% | 76.32% | 74.31% | 77.90% | -209 bps | |
| Liquid Assets / Assets | 20.17% | 21.02% | 25.12% | 22.74% | 24.47% | 25.05% | 26.08% | 22.23% | -51 bps | |