PackageTrendsPeer
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North Sound Bank

Poulsbo, WA · Cert 23020

FDIC

Q2 2000

$182.8MAssets
$145.4MLoans
$159.2MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.56%, up 10 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 91.36% of deposits as of Q2 2000.

Return on Assets (YTD, annualized)

1.56%+10 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999Q1 2000Q2 2000YoY ΔTrend
Earnings
Return on Assets1.30%1.33%1.38%1.46%1.46%1.48%1.60%1.56%+10 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)8.36%11.27%1.97%-3.02%0.37%-3.76%0.82%3.68%+670 bps
Loan Growth (YoY)0.69%-7.07%-1.89%1.66%12.18%21.68%22.45%22.14%+2,048 bps
Deposit Growth (YoY)7.69%11.04%0.63%-4.39%-0.68%-5.53%-0.77%0.91%+530 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits67.40%65.72%71.03%75.48%76.13%84.65%87.65%91.36%+1,588 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a