Spokane, WA · Charter 89109
Q3 1996
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1994 | Q4 1994 | Q1 1995 | Q2 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.29% | 4.38% | 4.86% | 5.10% | 4.96% | 4.93% | 4.99% | n/a | 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) | n/a | n/a | n/a | 0.19% | 6.56% | 13.89% | 15.30% | 16.11% | +1,592 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | 17.72% | 16.79% | 13.08% | 15.11% | 17.78% | +6 bps | |
| Share Growth (YoY) | n/a | n/a | n/a | -1.99% | 5.93% | 14.58% | 15.96% | 16.73% | +1,873 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.29% | 0.29% | 0.34% | 0.33% | 0.35% | 0.35% | 0.40% | +6 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 | 0.73% | 0.72% | 0.73% | 0.71% | 0.68% | 0.69% | 0.64% | 0.59% | -12 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 | 63.75% | 66.93% | 68.14% | 71.23% | 70.29% | 66.05% | 67.64% | 71.87% | +64 bps | |
| Liquid Assets / Assets | 7.48% | 7.41% | 6.12% | 7.49% | 11.71% | 16.14% | 14.50% | 9.50% | +200 bps | |