Olympia, WA · Charter 89115
Q1 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 1995 | Q2 1995 | Q4 1995 | Q1 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.15% | 5.14% | 5.10% | 5.11% | 5.10% | n/a | 4.99% | 4.56% | -55 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 | 25.17% | 31.86% | 31.91% | 23.10% | 10.18% | 0.75% | 2.55% | -2,936 bps | |
| Loan Growth (YoY) | n/a | 35.91% | 28.02% | 17.18% | 10.68% | 7.29% | 7.88% | 10.00% | -719 bps | |
| Share Growth (YoY) | n/a | 25.33% | 35.98% | 39.09% | 23.92% | 9.82% | -0.25% | 1.82% | -3,727 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.89% | 1.22% | 1.47% | 1.38% | 1.31% | 1.33% | 1.38% | 1.09% | -29 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% | 0.74% | 0.76% | 0.84% | 0.97% | 1.06% | 1.08% | 1.00% | +15 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 | 93.73% | 90.20% | 83.44% | 79.30% | 83.71% | 88.11% | 90.24% | 85.66% | +637 bps | |
| Liquid Assets / Assets | 8.83% | 12.35% | 18.67% | 20.80% | 16.81% | 13.66% | 13.17% | 17.34% | -346 bps | |