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Washington Federal Bank for Savings

Chicago, IL · Cert 30570

FDIC · 2 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Washington Federal Bank for Savings

Chicago, IL · Cert 30570

FDIC · 2 branches

Q3 2017

$166.3MAssets
$136.6MLoans
$144.0MDeposits
$21.1MEquity
Deposit mix
99%Interest-bearing $142.4M1%Noninterest $1.5MQ3 2016Q3 2017

NIM

5.38%Q3 ’155.18%Q3 ’165.24%Q3 ’17-6%0%

Non-interest income vs. expense

2.13%Q3 ’152.03%Q3 ’162.02%Q3 ’17-5%+0%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.0% share · #128 of 196 inst. · $0.1B of $395.0B

Executive Summary

  • Earnings: ROA of 1.44%, down 9 bps year over year; NIM at 4.26%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.64%, up 42 bps from a year ago.
  • Funding: loans stand at 94.91% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

1.44%-9 bps YoY

Net Interest Margin (YTD, annualized)

4.26%-1 bps YoY

Efficiency Ratio (YTD, annualized)

46.58%+10 bps YoY

Tier 1 Leverage Ratio

12.64%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.53%1.52%1.36%1.41%1.44%-9 bps
Return on Equity12.55%12.40%10.86%11.27%11.46%-109 bps
Net Interest Margin4.27%4.20%4.31%4.20%4.26%-1 bps
Efficiency Ratio46.48%46.44%49.74%47.20%46.58%+10 bps
Non-Interest Burden1.92%1.88%2.09%1.93%1.93%+1 bps
Growth
Asset Growth (YoY)10.45%7.93%7.76%8.47%8.85%-160 bps
Loan Growth (YoY)6.09%5.14%6.65%8.11%7.97%+188 bps
Deposit Growth (YoY)10.25%7.27%7.22%8.03%8.42%-182 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.46%0.46%0.45%0.44%0.43%-3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.22%12.35%12.45%12.35%12.64%+42 bps
Total Risk-Based Capital24.98%25.23%25.47%25.47%25.45%+47 bps
Equity / Assets12.34%12.47%12.57%12.55%12.66%+32 bps
Liquidity & Funding
Loans / Deposits95.31%95.07%95.50%94.67%94.91%-40 bps
Liquid Assets / Assets12.32%12.97%12.45%12.75%12.25%-7 bps
CRE / Total Capitaln/an/an/an/an/an/an/a