PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Financial Services

Seattle, WA · Charter 89250

Q4 1997

$3.1MAssets
$2.0MLoans
$2.6MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.45%, down 71 bps year over year.
  • Asset quality: problem loans at 0.84% of loans (+38 bps YoY).
  • Funding: loans stand at 78.15% of shares as of Q4 1997.

Return on Assets (YTD, annualized)

3.45%-71 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 Assets2.82%3.12%4.00%4.16%3.74%4.05%2.99%3.45%-71 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/a-7.48%-7.74%1.14%5.09%n/a
Loan Growth (YoY)n/an/an/an/a-3.84%-11.67%-15.78%-14.30%n/a
Share Growth (YoY)n/an/an/an/a-9.39%-9.56%1.65%6.48%n/a
Asset Quality
Delinquent Loans / Loans0.70%0.49%0.00%0.46%0.29%0.43%1.73%0.84%+38 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%1.11%1.06%1.19%1.09%+109 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 / Shares84.98%97.91%93.92%97.10%90.19%95.64%77.82%78.15%-1,895 bps
Liquid Assets / Assets24.86%14.25%19.61%13.18%23.96%19.73%33.00%32.05%+1,887 bps