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Silverdale State Bank

Silverdale, WA · Cert 11216

FDIC

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Silverdale State Bank

Silverdale, WA · Cert 11216

FDIC

Q3 2001

$31.5MAssets
$15.7MLoans
$28.5MDeposits
$2.7MEquity
Loan mix
93%RE $10.2M7%C&I $0.8M0%Consumer $0.0MQ3 2000Q3 2001
Deposit mix
72%Interest-bearing $20.6M28%Noninterest $7.9MQ3 2000Q3 2001

NIM

7.49%Q1 ’017.44%Q2 ’017.23%Q3 ’010%-3%

Non-interest income vs. expense

4.21%Q1 ’014.28%Q2 ’013.96%Q3 ’01+2%-8%

Executive Summary

  • Earnings: ROA of 1.15%, up 162 bps year over year; NIM at 4.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 55.06% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.15%+162 bps YoY

Net Interest Margin (YTD, annualized)

4.99%

Efficiency Ratio (YTD, annualized)

71.47%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-0.47%-0.10%0.98%0.88%1.15%+162 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a5.14%5.13%4.99%n/a
Efficiency Ration/an/a73.45%75.10%71.47%n/a
Non-Interest Burdenn/an/a3.62%3.71%3.41%n/a
Growth
Asset Growth (YoY)0.07%-1.06%-4.32%-1.22%16.09%+1,602 bps
Loan Growth (YoY)20.06%14.56%23.00%0.69%-2.98%-2,304 bps
Deposit Growth (YoY)0.11%-1.00%-6.05%-1.13%19.20%+1,909 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.00%0.00%-0.01%n/a
Allowance / Loansn/an/a1.35%1.44%1.53%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/a18.84%19.02%18.13%n/a
Equity / Assetsn/an/a10.19%9.55%8.68%n/a
Liquidity & Funding
Loans / Deposits67.65%70.94%71.63%64.68%55.06%-1,259 bps
Liquid Assets / Assets0.00%0.00%1.68%1.57%33.19%+3,319 bps
CRE / Total Capitaln/an/an/an/an/an/an/a