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Marine Systems West

Mukilteo, WA · Charter 21667

Q4 1996

$1.7MAssets
$1.4MLoans
$1.4MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.63%, up 28 bps year over year.
  • Asset quality: problem loans at 1.64% of loans (-38 bps YoY).
  • Funding: loans stand at 104.32% of shares as of Q4 1996.

Return on Assets (quarter, annualized)

3.63%+28 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets3.39%3.35%3.92%3.55%2.56%3.63%+28 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-24.22%-24.60%n/a
Loan Growth (YoY)n/an/an/an/a13.07%8.83%n/a
Share Growth (YoY)n/an/an/an/a-27.95%-29.13%n/a
Asset Quality
Delinquent Loans / Loans3.02%2.03%1.48%1.81%1.56%1.64%-38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.30%1.10%0.79%0.55%0.66%0.65%-45 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares61.55%67.94%88.63%100.27%96.60%104.32%+3,638 bps
Liquid Assets / Assets29.34%35.30%22.41%9.89%14.84%8.51%-2,680 bps