Spokane, WA · Charter 10466
Q2 1997
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.25% | 3.46% | 3.32% | 3.50% | 3.77% | 3.55% | 3.31% | -1 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -14.18% | -11.44% | -3.33% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 49.29% | 41.57% | 18.74% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -16.71% | -13.25% | -5.16% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.07% | 0.43% | 0.10% | 0.13% | 0.23% | 0.90% | 8.14% | +804 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.24% | 1.10% | 0.96% | 0.30% | 0.15% | 0.25% | 0.25% | -70 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 44.16% | 51.09% | 56.57% | 70.31% | 79.15% | 83.38% | 70.83% | +1,425 bps | |
| Liquid Assets / Assets | 27.09% | 42.89% | 36.18% | 24.58% | 16.11% | 11.16% | 18.26% | -1,792 bps | |