PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Westside

Seattle, WA · Charter 89246

Q4 1997

$6.6MAssets
$5.0MLoans
$5.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.80%, up 76 bps year over year.
  • Asset quality: problem loans at 2.26% of loans (+67 bps YoY).
  • Funding: loans stand at 85.68% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

3.80%+76 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 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets3.20%3.46%4.22%3.05%5.07%5.25%3.85%3.80%+76 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a41.17%39.75%41.90%-0.36%n/a
Loan Growth (YoY)n/an/an/an/a47.14%35.86%35.17%-8.28%n/a
Share Growth (YoY)n/an/an/an/a43.21%43.70%47.20%-1.10%n/a
Asset Quality
Delinquent Loans / Loans1.59%0.22%0.80%1.59%2.70%0.75%1.09%2.26%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%1.45%0.92%0.69%1.10%+110 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares91.74%98.79%96.48%92.39%94.26%93.40%88.59%85.68%-671 bps
Liquid Assets / Assets19.53%13.91%17.45%13.36%18.36%18.10%21.63%23.91%+1,055 bps