3caff70a-cfae-4913-935a-1f0a1701386a.xls Company name Symbol Year version 3g Expected Actual Washington Mutual WM 2001 Value Value Millions Income Statement Efficiency Ratio (A lower number is best) <60% 48.6% 1 15,065 Total Interest Income [Compares Non-Interest expenses to Total Income (Interest and non-interest income)] 2 8,189 Total Interest Expense 3 6,876 Net Interest Income before Loan Losses ROA (Return on Average Assets) >1% 1.42% 4 575 Cur. Yr. Provision for Loan Losses [Net Income / Average Total Assets] 185 Prior Yr. Provision for Loan Losses 5 2,627 Total Noninterest Income ROE (Return on Average Equity) >15% 25.7% 6 4,617 Total Noninterest Expenses [Net Income / Avg. Shareholders' Equity] 7 3,114 Net Income Consolidated Balance Sheet Capital Adequacy (Capital Ratio) >8-10% 5.8% 8 156,833 Cur. Yr. Total Investment Loans [Total Stockholders Equity / Total Assets] 123,030 Prior Yr. Total Investment Loans 9 242,506 Cur. Yr. Total Assets Provision for Loan Losses as a % of Total Loans Curr. Yr. <1% 0.37% 194,716 Prior Yr. Total Assets [Provision for Loan Losses / Total Investment loans] Prior Yr. 0.15% 10 14,063 Cur. Yr. Total stockholders' equity Caution, trend is up. Is this industry wide or bank specific? 10,166 Prior Yr. Total stockholders' equity Key Financial Ratios or Selected Financial Data Loans -- change from prior year 27.5% 11 3.32 Net Interest margin Loan Loss Provision -- change from prior year 210.8% 12 3.13 Net Interest Rate Spread Caution - Loan Loss Provision is growing faster than Loans 13 0.98 Nonperforming assets as a % of total assets Loan Loss Provision can be growing, but should grow no faster than Loans NOTE 1: The 3 items above may not be reported. If not, it is wise Net Interest Margin >5% 3.32% to contact investors Relations to determine the values. These Net interest margin is a guide to the profitability of a companies investments. items sometimes are listed in the Qtr. Rpt rather than the Annual Rpt. They are also sometimes listed in the "Notes" area. SUGGESTION: To find these data, open the Annual Report from Interest Rate Spread >3% 3.13% the company Web Site and use the "Find" (Ctrl+F) function. The difference between what is received in interest and what is paid in interest. Example use "margin" or "spread" as search criteria. Type of Loans & Percentage held Nonperforming assets as a percent of total assets <1 0.98% 58.0 1-4 Family home Mortgages.+MBS (Least risk) [Nonperforming Assets / Total Assets] 9.0 Commercial Real Estate Loans (Medium risk) 2.6 Construction Loans (Most risk) Types of loans -- Risk based upon the type of loans made. >33% 40% 0.0 Commercial and Industrial loans (Medium risk) Risk for this company appears to be low - Home loans represent a high % of the total. 2.9 Consumer Loans (Medium risk) Click here to go to the NOTE 2: The above 5 items can most easily be found by going to Bankrate Site. (Click on "Go" http://www.bankrate.com/brm/safesound/select.asp and select your bank) Find your bank and select "Financial Statement". If your bank is not found there, contact Investor Relations for the data.
"Washington Mutual Bank Statement - Excel"