Seattle, WA · Charter 24467
Q3 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 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | Q3 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.89% | 4.16% | 4.04% | n/a | 4.09% | 3.96% | 4.05% | 4.04% | n/a | |
| 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) | 5.39% | 11.77% | 9.65% | 4.98% | 5.31% | 6.29% | 4.43% | 5.95% | +98 bps | |
| Loan Growth (YoY) | 6.27% | 7.25% | 11.56% | 13.41% | 11.37% | 8.58% | 5.23% | 2.28% | -1,112 bps | |
| Share Growth (YoY) | 10.09% | 13.09% | 9.72% | 6.77% | 6.16% | 6.93% | 5.12% | 4.73% | -204 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.75% | 1.31% | 0.98% | 1.90% | 1.66% | 1.42% | 1.82% | +84 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 | 0.48% | 0.43% | 0.52% | 0.52% | 0.49% | 0.63% | 0.68% | 0.72% | +20 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 | 88.12% | 86.56% | 91.39% | 91.56% | 92.45% | 87.90% | 91.49% | 89.42% | -214 bps | |
| Liquid Assets / Assets | 10.26% | 12.97% | 8.72% | 7.83% | 5.53% | 10.98% | 8.28% | 10.50% | +267 bps | |