PackageTrendsPeer
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P. W. T.

Ridgefield, WA · Charter 19130

Q4 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: Q4 2001, the quarter ended December 31, 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: 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

P. W. T.

Ridgefield, WA · Charter 19130

Q4 2001

$916KAssets
$430KLoans
$889KShares
$26KNet Worth

Executive Summary

  • Earnings: ROA of -2.73%, down 287 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 17.10% of loans (+1,623 bps YoY).
  • Capital: net worth / assets of 2.80%.
  • Funding: loans stand at 48.41% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-2.73%-287 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-84 bps YoY

Efficiency Ratio (YTD, annualized)

86.80%-1,024 bps YoY

Net Worth / Assets

2.80%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets3.37%3.29%3.05%0.15%0.11%-0.09%-5.70%-2.73%-287 bps
Return on Equityn/an/an/an/an/a-1.55%-205%-97.51%n/a
Net Interest Marginn/an/an/a4.31%4.72%3.67%3.65%3.47%-84 bps
Efficiency Ration/an/an/a97.04%98.08%102.15%104.03%86.80%-1,024 bps
Growth
Asset Growth (YoY)-10.27%-0.75%-3.29%-7.68%5.06%23.97%36.73%42.19%+4,986 bps
Loan Growth (YoY)-0.86%-3.39%0.87%8.57%-5.36%-6.44%-9.09%-19.27%-2,785 bps
Share Growth (YoY)-11.53%-0.92%-3.55%-7.48%5.30%23.70%41.20%46.81%+5,430 bps
Asset Quality
Delinquent Loans / Loans3.70%2.92%0.05%0.87%2.28%0.62%12.25%17.10%+1,623 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.02%3.09%3.30%3.03%3.43%0.97%6.51%4.11%+108 bps
Capital
Risk-Based Capitaln/an/an/an/an/a6.06%2.77%2.80%n/a
Net Worth / Assetsn/an/an/an/an/a6.06%2.77%2.80%n/a
Liquidity & Funding
Loans / Shares84.49%82.09%80.20%88.03%75.94%62.09%51.64%48.41%-3,963 bps
Liquid Assets / Assets16.00%17.22%20.15%11.18%23.49%36.79%25.47%49.28%+3,810 bps