Auburn, WA · Cert 34913
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.30% | 0.21% | 0.97% | 0.58% | 0.67% | 0.89% | -0.31% | -0.17% | -75 bps | |
| Return on Equity | n/a | 0.84% | 3.87% | 2.28% | 2.58% | 3.58% | -1.43% | -0.92% | -320 bps | |
| Net Interest Margin | 4.64% | 5.16% | 5.29% | 5.28% | 5.96% | 6.10% | 5.24% | 4.61% | -67 bps | |
| Efficiency Ratio | 100.57% | 85.71% | 73.95% | 86.64% | 73.95% | 73.02% | 104.92% | 101.48% | +1,484 bps | |
| Non-Interest Burden | 4.67% | 4.36% | 3.81% | 4.48% | 4.30% | 4.32% | 5.52% | 4.68% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 99.60% | 31.93% | 16.35% | 11.69% | -5.44% | 11.54% | 29.11% | 50.50% | +3,881 bps | |
| Loan Growth (YoY) | 105.73% | 95.50% | 71.33% | 26.54% | 11.35% | 12.71% | 15.64% | 42.71% | +1,617 bps | |
| Deposit Growth (YoY) | 201% | 49.25% | 23.23% | 17.11% | -7.67% | 14.71% | 38.60% | 68.11% | +5,100 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% | 0.00% | 0.13% | 0.00% | 0.00% | 0.00% | 0.00% | -13 bps | |
| Allowance / Loans | 1.19% | 1.31% | 1.25% | 1.21% | 1.28% | 1.36% | 1.36% | 1.18% | -3 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 | 30.20% | 30.58% | 29.66% | 29.88% | 29.60% | 29.25% | 25.93% | 20.84% | -904 bps | |
| Equity / Assets | 24.37% | 25.51% | 24.77% | 25.90% | 26.39% | 23.59% | 19.53% | 17.38% | -852 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.14% | 108.39% | 108.42% | 115.48% | 121.97% | 106.51% | 90.46% | 98.03% | -1,745 bps | |
| Liquid Assets / Assets | 15.72% | 13.58% | 14.11% | 10.77% | 2.03% | 2.41% | 18.53% | 14.00% | +324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |