Olympia, WA · Charter 95754
Q2 1997
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 5.18% | 5.05% | 4.77% | 4.51% | 6.40% | 5.70% | 3.61% | -117 bps | |
| Return on Equity | 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 |
| Efficiency Ratio | 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 | 36.02% | 40.69% | 36.39% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 191.05% | 208% | 155.68% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 35.26% | 42.32% | 53.22% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 19.95% | 1.43% | 15.31% | 0.63% | 1.86% | 0.41% | 3.45% | -1,186 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.43% | 2.40% | 1.69% | 1.18% | 0.93% | 1.49% | 2.07% | +38 bps | |
| Capital | |||||||||
| Risk-Based Capital | 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 |
| Liquidity & Funding | |||||||||
| Loans / Shares | 38.86% | 44.25% | 60.33% | 57.78% | 83.62% | 95.82% | 100.67% | +4,034 bps | |
| Liquid Assets / Assets | 16.83% | 16.76% | 17.26% | 25.38% | 18.06% | 9.39% | 6.54% | -1,072 bps | |