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Inland Northwest Bank

Spokane, WA · Cert 27601

FDIC · 20 branches

Q3 2018

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: Q3 2018, the quarter ended September 30, 2018, 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: FFIEC Call Report (031/041/051), 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

Inland Northwest Bank

Spokane, WA · Cert 27601

FDIC · 20 branches

Q3 2018

$922.7MAssets
$703.0MLoans
$721.2MDeposits
$190.1MEquity
Loan mix
78%RE $347.2M20%C&I $91.5M2%Consumer $7.8MQ3 2017Q3 2018
Deposit mix
66%Interest-bearing $474.5M34%Noninterest $246.7MQ3 2017Q3 2018

NIM

4.64%Q3 ’164.08%Q3 ’170.81%Q3 ’18-11%-78%

Non-interest income vs. expense

3.72%Q3 ’163.33%Q3 ’170.46%Q3 ’18-9%-86%

Market Position · Spokane-Spokane Valley, WA · 2018 SOD (annual) · 5.2% share · #8 of 18 inst. · $0.5B of $9.0B

5.5% Spokane
2.4% Kootenai
14.8% Hood River
6.7% Wasco

Executive Summary

  • Earnings: ROA of 0.33%, down 44 bps year over year; NIM at 0.88%.
  • Asset quality: problem loans at 0.00% of loans (-17 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.72%, down 24 bps from a year ago.
  • Funding: loans stand at 97.48% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.33%-44 bps YoY

Net Interest Margin (YTD, annualized)

0.88%-304 bps YoY

Efficiency Ratio (YTD, annualized)

49.49%-2,404 bps YoY

Tier 1 Leverage Ratio

9.72%-24 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.77%0.74%1.13%1.13%0.33%-44 bps
Return on Equity6.57%6.45%10.30%10.11%2.38%-419 bps
Net Interest Margin3.92%3.93%4.62%4.74%0.88%-304 bps
Efficiency Ratio73.54%73.16%69.40%69.17%49.49%-2,404 bps
Non-Interest Burden2.71%2.73%3.03%3.10%0.38%-233 bps
Growth
Asset Growth (YoY)27.80%29.96%28.84%27.28%11.58%-1,621 bps
Loan Growth (YoY)43.02%37.92%33.34%33.22%2.37%-4,065 bps
Deposit Growth (YoY)28.70%31.72%30.34%27.99%-0.21%-2,891 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.21%0.28%0.35%0.00%-17 bps
Net Charge-Offs / Loans0.02%0.02%-0.02%-0.02%0.00%-2 bps
Allowance / Loans1.02%1.05%1.12%1.09%0.00%-102 bps
Allowance Coverage of NPLs5.8x5.0x4.0x3.1x0.0x-5.8x
Capital
Tier 1 Leverage Ratio9.96%9.49%9.84%10.23%9.72%-24 bps
Total Risk-Based Capital11.05%11.10%11.69%11.48%9.86%-118 bps
Equity / Assets10.71%10.86%11.10%11.49%20.60%+989 bps
Liquidity & Funding
Loans / Deposits95.02%95.45%92.72%101.81%97.48%+246 bps
Liquid Assets / Assets3.45%3.31%0.54%0.47%0.32%-313 bps
CRE / Total Capitaln/an/an/an/an/an/an/a