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Western Div. PSP&L Empls. Cr. Un.

Bremerton, WA · Charter 89222

Q2 1997

$906KAssets
$699KLoans
$781KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.33%, down 133 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-4 bps YoY).
  • Funding: loans stand at 89.53% of shares as of Q2 1997.

Return on Assets (quarter, annualized)

3.33%-133 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 Assets2.77%3.00%4.66%4.49%3.66%4.19%3.33%-133 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/a-12.93%-16.01%-21.70%n/a
Loan Growth (YoY)n/an/an/an/a-5.39%-10.53%-27.42%n/a
Share Growth (YoY)n/an/an/an/a-14.03%-18.22%-23.75%n/a
Asset Quality
Delinquent Loans / Loans0.79%0.10%0.04%0.00%0.00%0.00%0.00%-4 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%0.14%+14 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 / Shares86.24%87.13%94.07%91.64%94.90%95.32%89.53%-454 bps
Liquid Assets / Assets18.84%19.74%14.58%13.67%7.33%14.12%21.88%+730 bps