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Letter portraitLegal landscapeQuarterYTD

Yakima County Federal Emp.

Wapato, WA · Charter 89146

Q2 1996

$769KAssets
$593KLoans
$679KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.96%, down 110 bps year over year.
  • Asset quality: problem loans at 6.91% of loans (+409 bps YoY).
  • Funding: loans stand at 87.36% of shares as of Q2 1996.

Return on Assets (YTD, annualized)

3.96%-110 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 1996YoY ΔTrend
Earnings
Return on Assets5.06%5.48%4.98%2.30%3.96%-110 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/a4.24%n/an/a
Loan Growth (YoY)n/an/an/an/a-15.74%n/an/a
Share Growth (YoY)n/an/an/an/a2.73%n/an/a
Asset Quality
Delinquent Loans / Loans2.83%2.88%4.54%5.98%6.91%+409 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.52%0.49%0.73%+73 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 / Shares106.52%102.73%99.25%102.27%87.36%-1,915 bps
Liquid Assets / Assets1.34%0.00%4.96%5.67%18.69%+1,735 bps