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Letter portraitLegal landscapeQuarterYTD

Iron Workers Local 14

Spokane, WA · Charter 89211

Q2 1997

$1.5MAssets
$1.0MLoans
$1.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.67%, up 11 bps year over year.
  • Asset quality: problem loans at 1.80% of loans (+2 bps YoY).
  • Funding: loans stand at 77.72% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

3.67%+11 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997YoY ΔTrend
Earnings
Return on Assets3.89%3.62%3.57%3.80%4.43%4.19%3.67%+11 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/a1.93%1.05%3.68%n/a
Loan Growth (YoY)n/an/an/an/a16.68%-1.50%-13.57%n/a
Share Growth (YoY)n/an/an/an/a-3.28%-1.23%4.36%n/a
Asset Quality
Delinquent Loans / Loans0.84%1.23%1.78%0.20%0.62%1.99%1.80%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%1.29%+129 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 / Shares77.62%85.37%93.84%91.31%93.64%85.13%77.72%-1,612 bps
Liquid Assets / Assets26.18%18.93%14.88%16.10%14.19%19.93%27.14%+1,225 bps