Wenatchee, WA · Cert 35336
FDIC
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 1.04% | 1.02% | 1.05% | 1.02% | 1.16% | 1.09% | 1.11% | +6 bps | |
| Return on Equity | 9.15% | 11.31% | 10.98% | 11.16% | 11.01% | 12.31% | 11.71% | 11.77% | +61 bps | |
| Net Interest Margin | 4.28% | 4.78% | 4.90% | 4.83% | 4.54% | 5.09% | 4.93% | 4.64% | -19 bps | |
| Efficiency Ratio | 66.58% | 63.47% | 63.84% | 63.57% | 64.21% | 60.41% | 62.40% | 63.10% | -47 bps | |
| Non-Interest Burden | 2.79% | 2.98% | 3.07% | 3.01% | 2.86% | 3.00% | 3.00% | 2.85% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 40.78% | 24.47% | 12.70% | 9.02% | 15.57% | 12.81% | 22.10% | 16.18% | +716 bps | |
| Loan Growth (YoY) | 35.77% | 26.77% | 16.52% | 19.93% | 21.06% | 25.48% | 27.50% | 20.07% | +14 bps | |
| Deposit Growth (YoY) | 45.84% | 25.99% | 12.87% | 7.94% | 16.07% | 8.86% | 22.70% | 16.70% | +876 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.56% | 1.55% | 1.52% | 1.48% | 1.49% | 1.51% | 1.45% | 1.45% | -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 | 11.79% | 12.16% | 11.83% | 11.64% | 11.25% | 11.42% | 11.04% | 11.33% | -31 bps | |
| Equity / Assets | 8.86% | 9.54% | 9.48% | 9.78% | 8.92% | 9.90% | 9.12% | 9.75% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.27% | 91.80% | 94.10% | 99.77% | 89.98% | 105.82% | 97.78% | 102.66% | +289 bps | |
| Liquid Assets / Assets | 7.60% | 5.55% | 6.46% | 5.05% | 4.61% | 4.18% | 3.66% | 3.24% | -182 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |