PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rose City of Oregon

Milwaukie, OR · Charter 9363

Q2 1996

$8.9MAssets
$3.8MLoans
$7.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.52%, down 97 bps year over year.
  • Asset quality: problem loans at 2.24% of loans (+35 bps YoY).
  • Funding: loans stand at 48.14% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

2.52%-97 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets3.49%3.72%2.91%2.59%2.52%-97 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-5.07%n/an/a
Loan Growth (YoY)n/an/an/an/a-15.47%n/an/a
Share Growth (YoY)n/an/an/an/a-6.68%n/an/a
Asset Quality
Delinquent Loans / Loans1.89%1.04%1.58%2.14%2.24%+35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.52%1.58%1.84%1.81%2.17%+66 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares53.15%56.75%56.05%53.92%48.14%-501 bps
Liquid Assets / Assets24.28%11.23%18.38%33.61%33.80%+952 bps