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Northwest International Bank

Seattle, WA · Cert 34893

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

Northwest International Bank

Seattle, WA · Cert 34893

FDIC

Q3 2005

$154.3MAssets
$136.6MLoans
$126.0MDeposits
$17.5MEquity
Loan mix
40%RE $17.1M57%C&I $24.4M3%Consumer $1.3MQ3 2004Q3 2005
Deposit mix
90%Interest-bearing $113.4M10%Noninterest $12.6MQ3 2004Q3 2005

NIM

5.97%Q3 ’035.06%Q3 ’046.29%Q3 ’05-16%+3%

Non-interest income vs. expense

2.97%Q3 ’032.15%Q3 ’042.20%Q3 ’05-29%+20%

Executive Summary

  • Earnings: ROA of 1.12%, down 19 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Funding: loans stand at 108.40% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

1.12%-19 bps YoY

Net Interest Margin (YTD, annualized)

4.17%+13 bps YoY

Efficiency Ratio (YTD, annualized)

51.63%+318 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 Assets1.31%1.33%0.88%1.06%1.12%-19 bps
Return on Equity12.30%12.57%8.30%9.56%10.08%-222 bps
Net Interest Margin4.04%4.18%4.12%4.18%4.17%+13 bps
Efficiency Ratio48.45%47.55%58.03%54.17%51.63%+318 bps
Non-Interest Burden1.75%1.79%2.34%2.22%2.10%+35 bps
Growth
Asset Growth (YoY)39.20%23.91%5.80%-0.52%2.26%-3,694 bps
Loan Growth (YoY)37.04%28.12%18.52%19.26%21.11%-1,593 bps
Deposit Growth (YoY)42.93%16.15%-2.45%-9.38%-2.41%-4,534 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%0.19%0.00%0.00%0.23%-2 bps
Allowance / Loans1.19%1.21%1.27%1.36%1.13%-6 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 Capital14.46%14.00%14.11%14.43%13.68%-78 bps
Equity / Assets10.44%10.33%10.95%11.88%11.31%+88 bps
Liquidity & Funding
Loans / Deposits87.35%96.77%106.87%109.37%108.40%+2,105 bps
Liquid Assets / Assets8.28%10.25%6.22%1.56%1.26%-702 bps
CRE / Total Capitaln/an/an/an/an/an/an/a