Tacoma, WA · Charter 89207
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 | 3.49% | 3.98% | 3.59% | 3.75% | 3.79% | 3.61% | 3.20% | -39 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 | -10.76% | -4.21% | -0.64% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 3.88% | 7.12% | 9.78% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -12.04% | -6.60% | -1.05% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.80% | 0.64% | 0.67% | 1.13% | 1.47% | 1.39% | 0.99% | +32 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 | 0.00% | 0.00% | 0.00% | 1.53% | 1.20% | 1.41% | 1.15% | +115 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 | 48.05% | 51.94% | 55.51% | 55.53% | 56.74% | 59.57% | 61.59% | +608 bps | |
| Liquid Assets / Assets | 30.23% | 24.56% | 40.87% | 24.62% | 22.59% | 14.84% | 20.86% | -2,001 bps | |