Seattle, WA · Charter 68197
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 68197
Q1 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.37% | 0.45% | 0.94% | 0.64% | 0.65% | 0.71% | 0.99% | +5 bps | |
| Return on Equity | 2.82% | 4.20% | 4.97% | 10.05% | 6.75% | 7.10% | 7.73% | 10.91% | +86 bps | |
| Net Interest Margin | 3.21% | 3.24% | 3.37% | 3.87% | 3.95% | 3.81% | 3.78% | 3.65% | -22 bps | |
| Efficiency Ratio | 83.83% | 81.62% | 80.06% | 76.90% | 79.13% | 77.94% | 76.63% | 69.92% | -698 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.84% | 5.20% | 1.63% | -1.36% | -0.22% | 4.01% | 7.35% | 11.71% | +1,307 bps | |
| Loan Growth (YoY) | 5.46% | 2.53% | 3.86% | 4.50% | -2.11% | -2.12% | 2.98% | 5.42% | +93 bps | |
| Share Growth (YoY) | 8.89% | 5.47% | 1.38% | -2.71% | -0.39% | 3.87% | 7.60% | 11.24% | +1,395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.02% | 0.66% | 0.77% | 0.80% | 0.76% | 0.68% | 0.45% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.90% | 0.92% | 0.86% | 0.92% | 0.96% | 0.66% | 0.74% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 8.81% | 9.14% | 9.34% | 9.41% | 9.12% | 9.23% | 9.08% | -26 bps | |
| Net Worth / Assets | 8.75% | 8.81% | 9.14% | 9.34% | 9.41% | 9.12% | 9.23% | 9.08% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.34% | 93.23% | 94.80% | 95.21% | 94.68% | 87.85% | 90.72% | 90.23% | -497 bps | |
| Liquid Assets / Assets | 10.21% | 12.76% | 11.17% | 8.25% | 8.86% | 7.01% | 7.09% | 8.30% | +4 bps | |