Pasco, WA · Cert 34257
FDIC
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.70% | 0.71% | 0.74% | 0.71% | 0.69% | 0.68% | 0.62% | -12 bps | |
| Return on Equity | 6.43% | 7.51% | 7.83% | 8.21% | 8.10% | 7.91% | 7.83% | 7.32% | -90 bps | |
| Net Interest Margin | 4.08% | 4.10% | 4.03% | 3.98% | 4.44% | 4.38% | 4.17% | 3.93% | -4 bps | |
| Efficiency Ratio | 76.04% | 70.43% | 69.29% | 69.00% | 71.32% | 75.64% | 75.26% | 75.79% | +678 bps | |
| Non-Interest Burden | 3.00% | 2.77% | 2.66% | 2.62% | 3.05% | 3.21% | 3.05% | 2.89% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.52% | 17.37% | 19.04% | 14.87% | 15.91% | 11.28% | 10.42% | 15.86% | +99 bps | |
| Loan Growth (YoY) | 9.77% | 17.41% | 18.89% | 16.31% | 14.80% | 7.13% | 4.74% | 2.61% | -1,370 bps | |
| Deposit Growth (YoY) | 10.42% | 16.28% | 21.84% | 16.87% | 16.66% | 11.49% | 11.25% | 17.69% | +82 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.09% | 0.07% | 0.18% | 0.11% | 0.18% | 0.30% | +23 bps | |
| Allowance / Loans | 1.56% | 1.54% | 1.53% | 1.70% | 1.72% | 1.65% | 1.59% | 1.64% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.50% | 11.74% | 11.35% | 11.91% | 11.95% | 11.89% | 11.62% | 11.39% | -52 bps | |
| Equity / Assets | 9.50% | 8.92% | 8.52% | 8.84% | 8.75% | 8.72% | 8.28% | 8.10% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.61% | 97.23% | 93.41% | 91.83% | 93.11% | 93.43% | 87.95% | 80.07% | -1,176 bps | |
| Liquid Assets / Assets | 1.87% | 1.65% | 4.87% | 0.87% | 0.98% | 0.83% | 5.94% | 7.84% | +697 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |