Spokane, WA · Cert 13375
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Spokane, WA · Cert 13375
FDIC
Q1 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.89% | 0.90% | 0.75% | 0.95% | 0.98% | 0.82% | 0.74% | -1 bps | |
| Return on Equity | 7.82% | 8.56% | 8.65% | 7.65% | 9.76% | 10.02% | 8.50% | 8.14% | +49 bps | |
| Net Interest Margin | 4.04% | 4.00% | 4.04% | 4.20% | 4.12% | 4.10% | 4.09% | 4.15% | -5 bps | |
| Efficiency Ratio | 74.23% | 72.86% | 72.67% | 75.33% | 71.07% | 70.79% | 73.33% | 74.62% | -71 bps | |
| Non-Interest Burden | 2.73% | 2.62% | 2.63% | 2.90% | 2.62% | 2.60% | 2.73% | 2.89% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.32% | 8.59% | 11.21% | 13.63% | 10.33% | 14.66% | 14.97% | 10.78% | -285 bps | |
| Loan Growth (YoY) | 7.48% | 7.81% | 15.95% | 22.74% | 13.58% | 19.35% | 18.34% | 14.18% | -855 bps | |
| Deposit Growth (YoY) | 2.96% | 5.22% | 6.62% | 6.90% | 10.18% | 11.20% | 11.87% | 15.56% | +866 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.03% | 0.04% | 0.01% | 0.04% | 0.01% | 0.05% | 0.15% | +13 bps | |
| Allowance / Loans | 0.96% | 1.00% | 1.00% | 1.00% | 0.99% | 1.00% | 1.00% | 0.99% | -1 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.18% | 12.22% | 11.52% | 11.18% | 11.18% | 11.14% | 10.56% | 10.57% | -60 bps | |
| Equity / Assets | 10.15% | 10.45% | 10.00% | 9.66% | 9.67% | 9.65% | 9.10% | 9.17% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.97% | 98.28% | 102.96% | 105.22% | 106.14% | 105.48% | 108.91% | 103.96% | -125 bps | |
| Liquid Assets / Assets | 0.05% | 0.05% | 0.02% | 0.21% | 0.00% | 0.14% | 0.60% | 0.06% | -15 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |