PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Western Bank

Coos Bay, OR · Cert 9482

FDIC

Q4 1995

$787.1MAssets
$499.7MLoans
$709.7MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.23%, down 6 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 70.41% of deposits as of Q4 1995.

Return on Assets (YTD, annualized)

1.23%-6 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1994Q2 1994Q3 1994Q4 1994Q1 1995Q2 1995Q3 1995Q4 1995YoY ΔTrend
Earnings
Return on Assets1.21%1.25%1.28%1.29%1.26%1.34%1.39%1.23%-6 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a4.15%6.68%7.90%9.58%n/a
Loan Growth (YoY)n/an/an/an/a14.43%13.45%13.86%13.93%n/a
Deposit Growth (YoY)n/an/an/an/a3.46%5.83%6.68%8.36%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits62.76%65.49%64.21%66.97%69.41%70.21%68.54%70.41%+345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a