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Fife Commercial Bank

Fife, WA · Cert 34791

FDIC · 1 branch

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Fife Commercial Bank

Fife, WA · Cert 34791

FDIC · 1 branch

Q2 2015

$86.1MAssets
$63.0MLoans
$72.5MDeposits
$10.5MEquity
Loan mix
85%RE $46.8M13%C&I $6.9M2%Consumer $1.3MQ2 2014Q2 2015
Deposit mix
70%Interest-bearing $50.6M30%Noninterest $21.9MQ2 2014Q2 2015

NIM

5.29%Q2 ’135.39%Q2 ’144.36%Q2 ’15+5%-21%

Non-interest income vs. expense

2.77%Q2 ’133.07%Q2 ’142.38%Q2 ’15+7%-25%

Market Position · Seattle-Tacoma-Bellevue, WA · 2015 SOD (annual) · 0.1% share · #40 of 57 inst. · $0.1B of $91.1B

Executive Summary

  • Earnings: ROA of 2.22%, up 7 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.68%.
  • Capital: tier 1 leverage ratio of 11.93%.
  • Funding: loans stand at 86.89% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

2.22%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-101 bps YoY

Efficiency Ratio (YTD, annualized)

56.17%-233 bps YoY

Tier 1 Leverage Ratio

11.93%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets2.15%2.13%1.94%1.96%2.22%+7 bps
Return on Equity16.93%16.65%15.28%16.19%18.32%+139 bps
Net Interest Margin4.91%4.43%4.33%4.09%3.90%-101 bps
Efficiency Ratio58.50%58.10%57.54%55.72%56.17%-233 bps
Non-Interest Burden2.74%2.44%2.36%2.12%2.05%-69 bps
Growth
Asset Growth (YoY)-5.01%-1.92%1.25%6.43%5.79%+1,080 bps
Loan Growth (YoY)-2.49%-6.68%-1.93%-0.86%1.81%+430 bps
Deposit Growth (YoY)-4.65%-0.49%3.66%9.77%10.36%+1,501 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.16%0.11%0.73%-0.18%-0.68%-84 bps
Allowance / Loans2.13%2.17%1.71%1.80%1.80%-33 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a12.19%11.93%n/a
Total Risk-Based Capital19.71%20.20%19.34%19.11%18.92%-79 bps
Equity / Assets12.83%13.07%12.26%11.91%12.18%-65 bps
Liquidity & Funding
Loans / Deposits94.18%93.66%89.20%83.22%86.89%-729 bps
Liquid Assets / Assets17.76%17.72%21.18%26.01%22.24%+447 bps
CRE / Total Capitaln/an/an/an/an/an/an/a