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Northwest Commercial Bank

Lakewood, WA · Cert 57191

FDIC

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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 Commercial Bank

Lakewood, WA · Cert 57191

FDIC

Q4 2012

$69.4MAssets
$56.0MLoans
$60.0MDeposits
$8.5MEquity
Loan mix
61%RE $26.9M35%C&I $15.2M4%Consumer $1.8MQ4 2011Q4 2012
Deposit mix
81%Interest-bearing $48.7M19%Noninterest $11.3MQ4 2011Q4 2012

NIM

5.65%Q4 ’104.91%Q4 ’114.81%Q4 ’12-13%+6%

Non-interest income vs. expense

4.59%Q4 ’103.11%Q4 ’113.71%Q4 ’12-31%+18%

Executive Summary

  • Earnings: ROA of 0.01%, up 20 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.81%.
  • Funding: loans stand at 93.43% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.01%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.16%+24 bps YoY

Efficiency Ratio (YTD, annualized)

87.58%+878 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.19%-0.67%-0.29%0.03%0.01%+20 bps
Return on Equity-1.73%-5.93%-2.51%0.22%0.06%+179 bps
Net Interest Margin3.92%3.90%4.03%4.00%4.16%+24 bps
Efficiency Ratio78.80%102.54%89.52%85.73%87.58%+878 bps
Non-Interest Burden3.08%4.01%3.59%3.40%3.63%+55 bps
Growth
Asset Growth (YoY)-3.94%-6.89%-2.61%-1.28%-7.63%-368 bps
Loan Growth (YoY)-12.62%-14.58%-12.22%-3.34%-0.74%+1,188 bps
Deposit Growth (YoY)-1.88%-4.91%-2.67%-1.53%-9.18%-730 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.74%0.59%1.70%1.04%0.81%-93 bps
Allowance / Loans1.75%1.89%1.53%1.51%1.63%-13 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 Capital15.25%15.10%15.23%14.52%14.90%-35 bps
Equity / Assets11.24%11.50%11.60%11.31%12.26%+103 bps
Liquidity & Funding
Loans / Deposits85.49%85.26%83.37%86.19%93.43%+795 bps
Liquid Assets / Assets9.56%6.31%7.82%6.77%2.16%-741 bps
CRE / Total Capitaln/an/an/an/an/an/an/a