Grants Pass, OR · Charter 9032
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Grants Pass, OR · Charter 9032
Q3 2004
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.84% | 0.75% | 0.82% | 0.83% | 0.68% | 0.77% | 0.73% | -9 bps | |
| Return on Equity | 9.84% | 9.45% | 8.63% | 9.48% | 9.34% | 7.59% | 8.66% | 8.11% | -137 bps | |
| Net Interest Margin | 3.91% | 4.29% | 4.01% | 3.87% | 3.88% | 3.92% | 3.88% | 3.80% | -7 bps | |
| Efficiency Ratio | 73.94% | 77.54% | 75.95% | 74.08% | 73.92% | 76.48% | 73.25% | 73.82% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.49% | 13.64% | 19.97% | 12.93% | 8.63% | 7.95% | 5.09% | 2.85% | -1,008 bps | |
| Loan Growth (YoY) | 31.57% | 14.16% | 12.20% | 13.66% | 7.65% | 8.40% | 15.57% | 10.48% | -319 bps | |
| Share Growth (YoY) | 19.39% | 16.99% | 21.03% | 12.58% | 11.30% | 7.97% | 4.76% | 2.39% | -1,019 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.11% | 1.25% | 1.17% | 1.28% | 0.85% | 0.75% | 0.79% | -38 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 | 0.49% | 0.43% | 0.49% | 0.48% | 0.48% | 0.50% | 0.53% | 0.52% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.72% | 8.86% | 8.69% | 8.64% | 8.84% | 8.99% | 8.95% | 9.00% | +37 bps | |
| Net Worth / Assets | 8.72% | 8.86% | 8.69% | 8.64% | 8.84% | 8.99% | 8.95% | 9.00% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.44% | 81.81% | 77.58% | 80.37% | 82.63% | 82.13% | 85.58% | 86.71% | +635 bps | |
| Liquid Assets / Assets | 8.37% | 11.61% | 13.89% | 8.82% | 8.01% | 8.51% | 7.44% | 8.63% | -19 bps | |