Gig Harbor, WA · Cert 34405
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | -3.01% | -0.92% | 0.85% | -7.32% | -1.80% | -4.16% | -14.04% | -1,489 bps | |
| Return on Equity | n/a | n/a | -14.29% | 13.70% | -126.58% | -35.76% | -93.08% | -556% | -56,926 bps | |
| Net Interest Margin | n/a | 4.48% | 3.99% | 4.64% | 4.25% | 4.80% | 4.30% | 4.64% | +1 bps | |
| Efficiency Ratio | n/a | 99.49% | 73.68% | 78.14% | 84.92% | 82.96% | 127.10% | 175.92% | +9,778 bps | |
| Non-Interest Burden | n/a | 4.46% | 2.84% | 3.53% | 3.55% | 3.91% | 5.58% | 8.57% | +504 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 70.53% | 54.73% | 31.31% | 26.88% | 9.13% | 6.29% | -7.65% | -16.21% | -4,309 bps | |
| Loan Growth (YoY) | 63.75% | 51.44% | 31.14% | 23.49% | 13.33% | 5.13% | -8.25% | -17.50% | -4,100 bps | |
| Deposit Growth (YoY) | 69.63% | 54.32% | 32.33% | 27.65% | 12.16% | 8.79% | -5.51% | -11.54% | -3,919 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 | n/a | 3.12% | 0.16% | 0.33% | 0.10% | 4.11% | 6.92% | 3.62% | +329 bps | |
| Allowance / Loans | n/a | 1.31% | 1.85% | 1.80% | 4.38% | 4.17% | 3.82% | 6.74% | +494 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 | n/a | 9.46% | 8.98% | 9.06% | 8.05% | 7.44% | 6.57% | 2.06% | -700 bps | |
| Equity / Assets | n/a | 6.79% | 6.16% | 6.23% | 5.31% | 4.78% | 4.14% | 0.80% | -543 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.43% | 85.86% | 83.84% | 83.41% | 84.31% | 82.97% | 81.41% | 77.79% | -562 bps | |
| Liquid Assets / Assets | 0.00% | 7.24% | 7.62% | 6.96% | 7.96% | 7.73% | 8.69% | 14.57% | +761 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |