Tacoma, WA · Charter 89112
Q2 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 | Q1 1995 | Q2 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.42% | 4.51% | 4.43% | 4.46% | 4.47% | 4.71% | 4.47% | 4.45% | -1 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 | -2.70% | 2.05% | 13.46% | 17.60% | 15.68% | 12.79% | 3.92% | -954 bps | |
| Loan Growth (YoY) | n/a | 16.82% | 19.83% | 16.78% | 19.52% | 23.71% | 14.50% | 11.07% | -571 bps | |
| Share Growth (YoY) | n/a | -4.87% | 0.07% | 12.61% | 17.09% | 14.67% | 11.96% | 2.13% | -1,048 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.16% | 0.26% | 0.46% | 0.38% | 0.55% | 0.72% | 0.53% | +7 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 | 0.92% | 0.90% | 0.75% | 0.74% | 0.71% | 0.66% | 0.73% | 0.80% | +5 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 | 65.16% | 69.60% | 69.70% | 65.90% | 66.52% | 75.09% | 71.28% | 71.67% | +577 bps | |
| Liquid Assets / Assets | 16.13% | 14.35% | 21.39% | 24.58% | 24.60% | 15.94% | 20.62% | 22.75% | -183 bps | |