Wenatchee, WA · Charter 68258
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.
Wenatchee, WA · Charter 68258
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.33% | 1.60% | 1.28% | 1.08% | 0.79% | 0.85% | 0.78% | 0.52% | -57 bps | |
| Return on Equity | n/a | 10.83% | 8.99% | 7.55% | 5.54% | 5.93% | 5.23% | 3.69% | -386 bps | |
| Net Interest Margin | 4.34% | 4.20% | 4.21% | 4.15% | 4.48% | 4.48% | 4.64% | 4.29% | +13 bps | |
| Efficiency Ratio | 71.74% | 67.74% | 71.78% | 74.12% | 76.43% | 75.47% | 75.67% | 75.36% | +124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.23% | 12.27% | 18.39% | 17.95% | 18.49% | 15.85% | 3.63% | 8.09% | -986 bps | |
| Loan Growth (YoY) | 21.70% | 34.83% | 26.90% | 19.49% | 4.09% | -1.53% | 1.00% | -4.19% | -2,368 bps | |
| Share Growth (YoY) | 14.37% | 10.55% | 17.67% | 17.57% | 17.95% | 16.33% | 2.67% | 8.19% | -938 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.71% | 0.97% | 1.11% | 1.10% | 1.15% | 1.17% | 1.18% | +7 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 | 0.52% | 0.53% | 0.37% | 0.36% | 0.32% | 0.39% | 0.70% | 0.89% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | 14.81% | 14.27% | 14.35% | 14.25% | 14.37% | 14.91% | 14.04% | -31 bps | |
| Net Worth / Assets | n/a | 14.81% | 14.27% | 14.35% | 14.25% | 14.37% | 14.91% | 14.04% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.57% | 90.35% | 79.42% | 78.29% | 76.40% | 76.48% | 78.13% | 69.33% | -896 bps | |
| Liquid Assets / Assets | 16.72% | 16.30% | 25.30% | 25.98% | 28.05% | 27.86% | 26.99% | 34.19% | +822 bps | |