PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Washington Trades

Everett, WA · Charter 89226

Q2 1997

$5.5MAssets
$4.7MLoans
$5.3MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.74%, down 109 bps year over year.
  • Asset quality: problem loans at 1.97% of loans (-64 bps YoY).
  • Funding: loans stand at 88.69% of shares as of Q2 1997.

Return on Assets (YTD, annualized)

3.74%-109 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 Assets4.10%4.41%4.83%4.79%2.06%1.75%3.74%-109 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-7.72%-5.78%-18.08%n/a
Loan Growth (YoY)n/an/an/an/a21.25%-12.10%-16.49%n/a
Share Growth (YoY)n/an/an/an/a-5.53%-1.18%-13.63%n/a
Asset Quality
Delinquent Loans / Loans1.64%1.54%2.61%7.54%2.95%4.92%1.97%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.47%0.67%0.59%2.71%0.96%0.72%+4 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 / Shares71.67%87.60%91.72%95.31%91.99%77.91%88.69%-303 bps
Liquid Assets / Assets18.05%10.81%5.55%7.48%0.00%17.65%6.19%+64 bps