PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lower Valley

Sunnyside, WA · Charter 89122

Q2 1997

$16.5MAssets
$9.2MLoans
$15.1MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.97%, up 39 bps year over year.
  • Asset quality: problem loans at 0.12% of loans (+7 bps YoY).
  • Funding: loans stand at 60.80% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

5.97%+39 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets5.57%5.68%5.58%5.37%6.53%5.76%5.97%+39 bps
Return on Equityn/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a24.85%43.16%47.29%n/a
Loan Growth (YoY)n/an/an/an/a21.79%19.10%21.08%n/a
Share Growth (YoY)n/an/an/an/a22.12%42.00%46.92%n/a
Asset Quality
Delinquent Loans / Loans0.22%9.55%0.05%0.44%0.34%0.00%0.12%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.30%0.33%0.32%0.36%0.32%0.28%-5 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.91%71.46%73.77%72.30%67.73%59.94%60.80%-1,298 bps
Liquid Assets / Assets20.50%23.59%25.56%30.20%29.08%33.40%22.44%-312 bps