Tacoma, WA · Charter 68247
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Tacoma, WA · Charter 68247
Q3 2002
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.80% | -0.04% | 0.53% | 0.37% | 0.19% | 0.17% | 0.52% | 0.50% | +13 bps | |
| Return on Equity | n/a | n/a | n/a | 6.02% | 3.16% | 2.81% | 8.33% | 7.60% | +158 bps | |
| Net Interest Margin | n/a | 4.46% | 4.45% | 5.00% | 4.78% | 4.75% | 4.89% | 4.99% | -1 bps | |
| Efficiency Ratio | n/a | 88.62% | 80.94% | 81.71% | 81.10% | 81.55% | 80.12% | 79.91% | -180 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.77% | 18.25% | 14.88% | -5.71% | -2.08% | -7.77% | -7.34% | 1.06% | +678 bps | |
| Loan Growth (YoY) | -11.05% | 0.73% | 10.65% | 11.84% | 8.22% | -11.96% | -20.96% | -25.20% | -3,704 bps | |
| Share Growth (YoY) | 14.81% | 11.01% | 2.13% | -9.28% | -3.57% | -1.14% | 3.61% | 3.72% | +1,300 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.04% | 1.00% | 1.06% | 0.90% | 1.41% | 1.59% | 0.99% | 0.84% | -6 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 | 1.73% | 1.47% | 1.49% | 1.60% | 1.64% | 1.89% | 1.77% | 1.85% | +25 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | 6.11% | 6.00% | 6.13% | 6.28% | 6.60% | +49 bps | |
| Net Worth / Assets | n/a | n/a | n/a | 6.11% | 6.00% | 6.13% | 6.28% | 6.60% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.66% | 75.28% | 79.77% | 83.03% | 72.57% | 67.04% | 60.85% | 59.87% | -2,315 bps | |
| Liquid Assets / Assets | 10.98% | 3.15% | 6.43% | 8.41% | 119.24% | 23.29% | 15.44% | 14.53% | +612 bps | |