PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sheet Metal Workers

Spokane, WA · Charter 89214

Q2 1997

$1.4MAssets
$864KLoans
$1.2MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 2.19%, down 227 bps year over year.
  • Asset quality: problem loans at 7.99% of loans (+716 bps YoY).
  • Funding: loans stand at 69.14% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

2.19%-227 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 Assets2.49%3.09%4.46%4.65%4.30%4.27%2.19%-227 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/a2.25%3.17%6.03%n/a
Loan Growth (YoY)n/an/an/an/a16.94%-0.49%-30.46%n/a
Share Growth (YoY)n/an/an/an/a0.88%-2.20%6.12%n/a
Asset Quality
Delinquent Loans / Loans1.31%1.52%0.83%0.33%0.08%0.74%7.99%+716 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%0.00%0 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 / Shares70.14%82.50%105.52%88.42%81.30%83.95%69.14%-3,637 bps
Liquid Assets / Assets30.94%20.46%7.18%13.77%24.16%24.37%33.58%+2,640 bps