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Western Cascade

Roseburg, OR · Charter 12159

Q3 2002

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 2002, the quarter ended September 30, 2002, 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: NCUA 5300 Call Report, 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

Western Cascade

Roseburg, OR · Charter 12159

Q3 2002

$29.0MAssets
$20.1MLoans
$24.1MShares
$4.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.93%, down 11 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.74% of loans (-1 bps YoY).
  • Capital: net worth / assets of 16.73%, down 146 bps from a year ago.
  • Funding: loans stand at 83.22% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

1.93%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.81%-37 bps YoY

Efficiency Ratio (YTD, annualized)

46.11%-337 bps YoY

Net Worth / Assets

16.73%-146 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets4.65%1.87%1.63%2.05%2.07%1.76%1.89%1.93%-11 bps
Return on Equityn/an/an/a11.25%12.18%10.59%11.54%11.56%+30 bps
Net Interest Marginn/a3.92%3.89%4.18%3.90%3.71%3.81%3.81%-37 bps
Efficiency Ration/a51.83%51.77%49.49%48.68%49.86%46.29%46.11%-337 bps
Growth
Asset Growth (YoY)24.90%27.85%31.85%18.30%22.85%27.75%26.31%33.15%+1,486 bps
Loan Growth (YoY)27.03%29.59%37.86%28.75%24.11%25.39%17.11%16.47%-1,228 bps
Share Growth (YoY)24.23%27.90%33.07%16.63%21.81%28.13%26.00%35.43%+1,880 bps
Asset Quality
Delinquent Loans / Loans0.79%0.94%0.76%0.75%0.93%0.91%0.58%0.74%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.36%0.43%0.66%0.69%0.65%0.85%0.76%0.86%+17 bps
Capital
Risk-Based Capitaln/an/an/a18.19%17.03%16.65%16.37%16.73%-146 bps
Net Worth / Assetsn/an/an/a18.19%17.03%16.65%16.37%16.73%-146 bps
Liquidity & Funding
Loans / Shares87.07%90.72%89.63%96.77%88.71%88.78%83.30%83.22%-1,354 bps
Liquid Assets / Assets19.78%14.41%15.73%14.41%24.65%21.36%25.19%27.34%+1,292 bps