Seattle, WA · Charter 89220
Q4 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 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.12% | 3.36% | 4.12% | 4.27% | 4.14% | 4.35% | 3.98% | 4.04% | -23 bps | |
| Return on Equity | n/a | 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 | n/a |
| Efficiency Ratio | n/a | 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 | 9.26% | 4.27% | 15.98% | 16.15% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 11.92% | 0.16% | -5.57% | -2.66% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 9.69% | 4.28% | 17.76% | 17.80% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.06% | 0.29% | 0.35% | 0.72% | 1.18% | 0.70% | 1.40% | +105 bps | |
| Net Charge-Offs / Loans | n/a | 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% | 0.00% | 1.54% | 1.37% | 1.06% | 0.70% | +70 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 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 | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.74% | 98.16% | 105.28% | 96.60% | 90.54% | 94.28% | 84.43% | 79.83% | -1,678 bps | |
| Liquid Assets / Assets | 19.16% | 11.12% | 6.27% | 10.84% | 19.68% | 16.90% | 23.80% | 27.91% | +1,707 bps | |