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Spokane Firefighters

Spokane, WA · Charter 89110

Q2 1996

$16.8MAssets
$13.2MLoans
$14.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.08%, down 19 bps year over year.
  • Asset quality: problem loans at 1.04% of loans (+63 bps YoY).
  • Funding: loans stand at 92.11% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

5.08%-19 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 1996YoY ΔTrend
Earnings
Return on Assets5.27%5.46%5.53%5.61%5.08%-19 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a3.41%n/an/a
Loan Growth (YoY)n/an/an/an/a12.55%n/an/a
Share Growth (YoY)n/an/an/an/a-0.53%n/an/a
Asset Quality
Delinquent Loans / Loans0.41%0.75%1.16%0.53%1.04%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.19%0.15%0.14%0.18%0.21%+2 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares81.41%92.82%100.66%96.79%92.11%+1,070 bps
Liquid Assets / Assets18.77%9.03%4.88%9.95%16.81%-197 bps