Spokane, WA · Charter 89167
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Spokane, WA · Charter 89167
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 | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 3.98% | 4.18% | 3.87% | 3.65% | 3.26% | 3.32% | 3.61% | -27 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 8.53% | 14.84% | 18.24% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.91% | 7.76% | 9.46% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 7.15% | 15.53% | 20.88% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.29% | 0.44% | 0.21% | 0.20% | 0.80% | 1.41% | 0.31% | +10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.62% | 0.52% | 0.41% | 0.27% | 0.25% | 0.50% | -2 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 76.36% | 78.19% | 88.32% | 84.38% | 74.05% | 72.93% | 79.98% | -834 bps | |
| Liquid Assets / Assets | 24.48% | 23.63% | 7.09% | 10.39% | 22.41% | 23.62% | 16.47% | +938 bps | |