Seattle, WA · Charter 13738
Q2 1998
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.39% | 3.71% | 3.74% | 3.73% | 3.83% | 3.90% | 3.69% | 3.52% | -21 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 |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 7.84% | 8.11% | 7.26% | 8.99% | 5.36% | -249 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 12.51% | 16.93% | 11.70% | 0.44% | -6.83% | -1,934 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | 7.00% | 7.93% | 4.46% | 5.95% | 1.90% | -510 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.33% | 0.76% | 0.27% | 0.42% | 0.54% | 0.18% | 0.28% | +1 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 | 0.79% | 0.75% | 0.78% | 0.66% | 0.76% | 0.88% | 0.82% | 1.00% | +34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.88% | 62.04% | 64.90% | 63.75% | 67.04% | 66.34% | 61.52% | 58.29% | -546 bps | |
| Liquid Assets / Assets | 8.01% | 7.44% | 13.50% | 16.92% | 19.34% | 27.75% | 22.84% | 17.24% | +32 bps | |