Wenatchee, WA · Charter 68314
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 68314
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.01% | -0.08% | 0.01% | -0.12% | -0.82% | -0.15% | 0.02% | +1 bps | |
| Return on Equity | 0.14% | 0.10% | -0.71% | 0.07% | -1.04% | -6.86% | -1.15% | 0.14% | +7 bps | |
| Net Interest Margin | 2.47% | 2.53% | 2.46% | 2.53% | 2.59% | 1.99% | 2.87% | 3.33% | +80 bps | |
| Efficiency Ratio | 92.77% | 94.77% | 100.76% | 98.11% | 103.43% | 141.37% | 105.26% | 99.41% | +130 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | -11.33% | -12.29% | -12.35% | -13.43% | -9.73% | -13.67% | -23.87% | -1,152 bps | |
| Loan Growth (YoY) | 15.66% | 18.54% | 17.19% | 7.85% | 1.18% | 11.99% | 13.49% | 22.08% | +1,423 bps | |
| Share Growth (YoY) | -6.87% | -12.62% | -13.66% | -16.68% | -12.14% | -11.41% | -15.29% | -24.30% | -763 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.54% | 1.59% | 2.61% | 2.59% | 2.19% | 2.57% | 1.67% | -94 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 | 2.80% | 2.83% | 2.70% | 2.65% | 2.70% | 2.53% | 2.29% | 2.04% | -61 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.12% | 11.13% | 11.47% | 11.08% | 11.57% | 11.99% | 13.12% | 14.38% | +330 bps | |
| Net Worth / Assets | 10.12% | 11.13% | 11.47% | 11.08% | 11.57% | 11.99% | 13.12% | 14.38% | +330 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.77% | 40.57% | 44.00% | 44.86% | 44.65% | 51.29% | 58.95% | 72.35% | +2,749 bps | |
| Liquid Assets / Assets | 60.62% | 52.17% | 60.49% | 60.34% | 59.89% | 50.90% | 0.00% | 0.00% | -6,034 bps | |