Bremerton, WA · Charter 24102
Q3 2007
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.90% | 1.31% | 1.26% | 1.22% | 1.04% | 0.64% | 0.56% | 0.67% | -55 bps | |
| Return on Equity | 8.31% | 11.86% | 11.32% | 11.37% | 9.85% | 6.06% | 5.19% | 5.93% | -544 bps | |
| Net Interest Margin | 3.37% | 3.50% | 3.48% | 3.25% | 3.12% | 3.05% | 3.08% | 3.22% | -3 bps | |
| Efficiency Ratio | 75.23% | 73.76% | 74.42% | 74.00% | 76.59% | 82.37% | 82.30% | 81.18% | +718 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.35% | 5.75% | 3.26% | 12.58% | 13.55% | 13.62% | 11.36% | 1.14% | -1,144 bps | |
| Loan Growth (YoY) | 12.32% | 15.01% | 16.77% | 17.91% | 16.06% | 11.99% | 10.33% | 7.77% | -1,013 bps | |
| Share Growth (YoY) | 5.19% | 4.95% | 3.32% | 12.93% | 16.08% | 14.47% | 12.89% | 0.57% | -1,236 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.10% | 0.11% | 0.10% | 0.10% | 1.03% | 0.28% | 0.50% | +40 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 | 0.60% | 0.49% | 0.45% | 0.41% | 0.39% | 0.40% | 0.42% | 0.43% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.79% | 11.04% | 11.16% | 10.70% | 10.54% | 10.62% | 10.77% | 11.23% | +53 bps | |
| Net Worth / Assets | 10.79% | 11.04% | 11.16% | 10.70% | 10.54% | 10.62% | 10.77% | 11.23% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.66% | 86.73% | 90.11% | 87.42% | 85.64% | 84.85% | 88.07% | 93.68% | +626 bps | |
| Liquid Assets / Assets | 12.50% | 9.74% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |