Tacoma, WA · Cert 11979
FDIC
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 31, 1997, 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.
Tacoma, WA · Cert 11979
FDIC
Q1 1997
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 1995 | Q3 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.93% | 0.97% | 1.02% | 1.03% | 1.03% | 1.06% | 1.15% | 1.38% | +35 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 |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 3.57% | 1.54% | -1.53% | -0.47% | 0.97% | 4.49% | 6.50% | +803 bps | |
| Loan Growth (YoY) | 8.52% | 6.73% | 2.41% | 0.09% | -0.22% | 2.34% | 6.38% | 8.48% | +839 bps | |
| Deposit Growth (YoY) | 5.57% | 6.57% | 10.85% | 3.94% | -2.97% | 0.14% | -0.17% | 0.41% | -353 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.70% | 100.83% | 97.24% | 100.24% | 105.60% | 103.04% | 103.62% | 108.30% | +806 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |