Whidbey Island Bank

Data for trailing four quarters

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Performance Ratios (%)		WBCO	Peer Median	Peer Average
	ROAA	1.00	0.92	0.71
	ROAE	9.32	6.47	5.07
	Net Interest Margin	5.29	4.01	3.96
	Efficiency Ratio	61.10	70.28	70.13
	Loans / Deposits	72.42	78.35	79.51

Asset Quality Ratios (%)
	NPAs / Assets	2.57	2.35	3.66
	NCOs / Avg Loans	0.79	0.43	0.72
	Reserves / Loans	2.05	2.38	2.25
	Reserves / NPAs	50.37	51.80	60.02

Capital Ratios (%)
	Tier 1 Capital	18.52	17.80	17.87
	Tangible Equity / Tangible Assets	10.73	12.10	12.07
	Total Equity / Total Assets	11.05	12.41	12.56

Market Ratios
	Price / Earnings (x)	12.77	17.82	22.27
	Price / Book (%)	116.01	107.58	116.10
	Dividend Yield (%)	4.35	1.50	1.40

Washington Banking Company's peer group consists of the following: Banner Corporation (BANR), Cascade Bancorp (CACB), Cashmere Valley Financial Corporation (CVYF), Columbia Banking System, Inc. (COLB), First Financial Northwest, Inc. (FFNW), Heritage Financial Corporation (HFWA), Intermountain Community Bancorp (IMCB), Pacific Continental Corporation (PCBK), PremierWest Bancorp (PRWT), W.T.B. Financial Corporation (WTBFB), West Coast Bancorp (WCBO)

Washington Banking Company's financial data is as of 3/31/2013.

Peer financial data is as of 3/31/2013 except for these companies:

PremierWest Bancorp's financial data is as of 12/31/2012.
West Coast Bancorp's financial data is as of 12/31/2012.


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