Auburn, WA · Charter 12763
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Auburn, WA · Charter 12763
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.87% | 0.93% | 0.67% | 0.80% | 1.01% | 1.24% | 0.55% | 0.52% | -28 bps | |
| Return on Equity | n/a | 7.72% | 6.05% | 6.86% | 8.12% | 9.58% | 4.29% | 4.07% | -279 bps | |
| Net Interest Margin | 5.11% | 4.93% | 4.03% | 4.21% | 4.88% | 4.91% | 4.91% | 4.42% | +21 bps | |
| Efficiency Ratio | 80.00% | 78.14% | 79.16% | 77.48% | 76.18% | 74.58% | 84.57% | 90.71% | +1,323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.52% | 7.91% | 16.50% | 13.04% | 11.44% | 7.26% | -6.24% | -3.55% | -1,659 bps | |
| Loan Growth (YoY) | 42.82% | 49.48% | 22.21% | 7.27% | -4.61% | -8.43% | -8.71% | -13.73% | -2,100 bps | |
| Share Growth (YoY) | 12.01% | 6.95% | 14.71% | 11.96% | 9.50% | 5.03% | -7.68% | -5.64% | -1,760 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.03% | 1.56% | 1.82% | 0.40% | 0.32% | 0.40% | 0.40% | 0.72% | +33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.52% | 1.37% | 1.24% | 1.39% | 1.36% | 1.33% | 1.13% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 12.00% | 11.05% | 11.71% | 12.44% | 13.00% | 12.83% | 12.81% | +111 bps | |
| Net Worth / Assets | n/a | 12.00% | 11.05% | 11.71% | 12.44% | 13.00% | 12.83% | 12.81% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.04% | 83.31% | 71.25% | 71.10% | 74.08% | 72.64% | 70.46% | 65.01% | -610 bps | |
| Liquid Assets / Assets | 14.02% | 19.39% | 31.24% | 20.17% | 21.10% | 20.86% | 25.34% | 22.81% | +265 bps | |