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Pacifica Bank

Bellevue, WA · Cert 34829

FDIC

Q3 2005

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 2005, the quarter ended September 30, 2005, 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

Pacifica Bank

Bellevue, WA · Cert 34829

FDIC

Q3 2005

$182.4MAssets
$144.5MLoans
$154.5MDeposits
$16.9MEquity
Deposit mix
83%Interest-bearing $128.7M17%Noninterest $25.8MQ3 2004Q3 2005

NIM

6.05%Q3 ’036.17%Q3 ’046.48%Q3 ’05+13%-2%

Non-interest income vs. expense

4.12%Q3 ’034.04%Q3 ’043.70%Q3 ’05-3%-8%

Executive Summary

  • Earnings: ROA of 0.99%, down 81 bps year over year; NIM at 4.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.
  • Funding: loans stand at 93.52% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.99%-81 bps YoY

Net Interest Margin (YTD, annualized)

4.72%-11 bps YoY

Efficiency Ratio (YTD, annualized)

71.98%-444 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets1.80%1.68%0.92%0.93%0.99%-81 bps
Return on Equity20.22%18.82%9.77%9.90%10.56%-966 bps
Net Interest Margin4.83%4.79%4.76%4.78%4.72%-11 bps
Efficiency Ratio76.41%75.65%74.64%73.46%71.98%-444 bps
Non-Interest Burden3.58%3.52%3.44%3.39%3.28%-30 bps
Growth
Asset Growth (YoY)6.03%5.06%-2.17%-0.19%5.63%-41 bps
Loan Growth (YoY)14.51%14.41%8.99%16.51%15.28%+76 bps
Deposit Growth (YoY)1.99%2.73%-2.42%-1.84%5.68%+369 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.62%-0.46%0.02%0.32%0.21%+83 bps
Allowance / Loans1.67%1.53%1.52%1.26%1.27%-40 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.13%11.67%11.94%11.41%11.67%-46 bps
Equity / Assets8.67%9.16%9.71%9.27%9.26%+59 bps
Liquidity & Funding
Loans / Deposits85.74%97.24%98.11%95.67%93.52%+778 bps
Liquid Assets / Assets4.45%2.97%0.28%3.51%5.04%+59 bps
CRE / Total Capitaln/an/an/an/an/an/an/a