Investor Relations - Washington Trust Bancorp, Inc.

WASHINGTON TRUST BANCORP, INC. (NASDAQ - WASH)

Select Period:

	2013 FQ1	2012 FQ1		2012 FQ4
Period Ended	3/31/2013	3/31/2012	Y-Y Ch (%)	12/31/2012	Q-Q Ch (%)^†
Balance Sheet ($000)
Total Assets	3,051,848	3,028,690	0.76	3,071,884	(2.61)
Total Net Loans	2,321,805	2,141,897	8.40	2,313,186	1.49
Total Deposits	2,319,641	2,145,562	8.11	2,312,631	1.21
Equity Attributable to Parent Company	301,291	287,935	4.64	295,652	7.63
Total Equity	301,291	287,935	4.64	295,652	7.63
Profitability (%)
Net Income ($000)	7,421	8,438	(12.05)	9,023	(71.02)
Net Income Attributable to Parent ($000)	7,421	8,438	(12.05)	9,023	(71.02)
ROAA	0.98	1.11	(13) bp	1.19	(21) bp
Core ROAA	1.23	1.15	8 bp	1.11	12 bp
ROAE	9.91	11.85	(194) bp	12.01	(210) bp
ROATCE	12.74	15.51	(277) bp	15.41	(267) bp
Core ROAE	12.44	12.25	19 bp	11.27	117 bp
Net Interest Margin	3.28	3.25	3 bp	3.35	(7) bp
Reported: Net Interest Margin	3.32	3.27	5 bp	3.33	(1) bp
Efficiency Ratio	61.61	61.36	25 bp	66.82	(521) bp
Noninterest Inc / Operating Rev	41.44	39.28	216 bp	42.17	(73) bp
Balance Sheet Ratios/ Capital (%)
Loans / Deposits	100.23	100.46	(23) bp	99.19	104 bp
Securities / Assets	13.92	19.77	(585) bp	14.85	(93) bp
Total Equity / Total Assets	9.87	9.51	36 bp	9.62	25 bp
Tangible Equity / Tangible Assets	7.94	7.53	41 bp	7.69	25 bp
Tang Common Equity / Tang Assets	7.94	7.53	41 bp	7.69	25 bp
Tier 1 Common Capital Ratio	NA	10.48	NA bp	10.61	NA bp
Tier 1 Ratio	12.25	11.96	29 bp	12.01	24 bp
Risk-based Capital Ratio	13.50	13.22	28 bp	13.26	24 bp
Leverage Ratio (Bank, BHC Only)	9.53	8.75	78 bp	9.30	23 bp
Asset Quality (%)
NPAs / Assets	1.53	1.09	44 bp	1.40	13 bp
NPA Excl Restructured / Assets	0.94	0.78	16 bp	0.83	11 bp
NPAs & 90+ PD / Assets	1.53	1.09	44 bp	1.40	13 bp
NPAs / Loans & REO	1.98	1.52	46 bp	1.83	15 bp
Nonaccrual & 90+ & OREO / Assets	0.94	0.78	16 bp	0.83	11 bp
NPAs & 90+ PD / Loans & REO	1.98	1.52	46 bp	1.83	15 bp
NPA & Loans 90+ / Tangible Common Equity + LLR	17.41	13.08	433 bp	16.34	107 bp
NCOs / Avg Loans	0.06	0.12	(6) bp	0.08	(2) bp
Loan Loss Reserves / Gross Loans	1.32	1.38	(6) bp	1.32	0 bp
Reserves / NPAs	66.68	90.70	(2,402) bp	72.04	(536) bp
Loan Loss Provision / NCO	179.64	136.99	4,265 bp	125.26	5,438 bp
Per Share Information ($)
Common Shares Outstanding (actual)	16,425,442	16,354,155	0.44	16,379,771	1.12
Avg Diluted Shares (actual)	16,449,000	16,370,200	0.48	16,425,000	0.58
Basic Book Value per Share	18.34	17.61	4.15	18.05	6.43
As-reported Book Value per Share	18.34	17.61	4.15	18.05	6.43
Basic Tangible Book Value per Share	14.44	13.64	5.87	14.13	8.78
Reported: Tangible Book Value	14.44	13.64	5.87	14.13	8.78
Common Dividends Declared per Share	0.25	0.23	8.70	0.24	16.67
EPS after Extra	0.45	0.51	(11.76)	0.55	(72.73)
EPS after Extra Growth (%)	(11.8)	21.40	(3,319) bp	17.00	(2,878) bp
Core EPS	0.57	0.53	7.55	0.52	38.46
Core EPS Growth (%)	7.20	20.40	(1,312) bp	14.30	(708) bp
Diluted EPS before Amortization	0.46	0.52	(11.54)	0.56	(71.43)
Pre-Provision Earnings Per Share	0.56	0.53	5.66	0.50	48

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^† Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

* Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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Site Navigation

Current Path

"About Us" Children

About Us

Context Variables

Variable	Value
$fiImages	/wcnewsite/fiFiles/static/images
$fiDocs	/wcnewsite/fiFiles/static/documents
$ficss_folder	/wcnewsite/fiFiles/static/css
$templateimages	/wcnewsite/diFiles/skins/default/images
$js_folder	/wcnewsite/diFiles/skins/default/js
$css_folder	/wcnewsite/diFiles/skins/default/css
$diFiles	07/07343/wcnewsite/diFiles
$fiFiles	07/07343/wcnewsite/fiFiles
$contextPath	/wcnewsite
$baseUrl	www.washtrust.com
$fiFriendlyName	The Washington Trust Company
$lang	en
Variables for workarea
$editmode	live
$editContentLink	https://wcadmin.diginsite.com/wcAdmin/contentEdit/begin.do
$showEditLinks	true
Navigation
$navItems	[Ljava.lang.Object;@6bbb075a
$selectedNav	[com.diginsite.product.webcenter.web.NavItem@43dfdcf7]
$selectItem	com.diginsite.product.webcenter.web.NavItem@43dfdcf7
$contentPage	about.vm

Variable

Value

$fiImages

/wcnewsite/fiFiles/static/images

$fiDocs

/wcnewsite/fiFiles/static/documents

$ficss_folder

/wcnewsite/fiFiles/static/css

$templateimages

/wcnewsite/diFiles/skins/default/images

$js_folder

/wcnewsite/diFiles/skins/default/js

$css_folder

/wcnewsite/diFiles/skins/default/css

$diFiles

07/07343/wcnewsite/diFiles

$fiFiles

07/07343/wcnewsite/fiFiles

$contextPath

/wcnewsite

$baseUrl

www.washtrust.com

$fiFriendlyName

The Washington Trust Company

$lang

Variables for workarea

$editmode

live

$editContentLink

https://wcadmin.diginsite.com/wcAdmin/contentEdit/begin.do

$showEditLinks

true

Navigation

$navItems

[Ljava.lang.Object;@6bbb075a

$selectedNav

[com.diginsite.product.webcenter.web.NavItem@43dfdcf7]

$selectItem

com.diginsite.product.webcenter.web.NavItem@43dfdcf7

$contentPage

about.vm

Nav Item Available Methods

Method	Value
getChildren()	{history=com.diginsite.product.webcenter.web.NavItem@3091c84d, hereforyou=com.diginsite.product.webcenter.web.NavItem@32f55024, contact=com.diginsite.product.webcenter.web.NavItem@760859f, community=com.diginsite.product.webcenter.web.NavItem@51e48d81, event=com.diginsite.product.webcenter.web.NavItem@74063a27, thinklocal=com.diginsite.product.webcenter.web.NavItem@44d411f3, star=com.diginsite.product.webcenter.web.NavItem@3ee68bd2, pbxpress=com.diginsite.product.webcenter.web.NavItem@11e5a841, test=com.diginsite.product.webcenter.web.NavItem@7c894c94}
hasChildren()	true
getParentUrl()
getTitle(String lang)	About Us
getTitle()	About Us
getUrl()	/wcnewsite/about
getAttributes()	{}
getAttribute(String attribute)
isRedirect()	false
getRedirectType()	none
isSelected()	true
getName()	about
getTemplate()	template_back.vm
isSecure()	false

Method

Value

getChildren()

{history=com.diginsite.product.webcenter.web.NavItem@3091c84d, hereforyou=com.diginsite.product.webcenter.web.NavItem@32f55024, contact=com.diginsite.product.webcenter.web.NavItem@760859f, community=com.diginsite.product.webcenter.web.NavItem@51e48d81, event=com.diginsite.product.webcenter.web.NavItem@74063a27, thinklocal=com.diginsite.product.webcenter.web.NavItem@44d411f3, star=com.diginsite.product.webcenter.web.NavItem@3ee68bd2, pbxpress=com.diginsite.product.webcenter.web.NavItem@11e5a841, test=com.diginsite.product.webcenter.web.NavItem@7c894c94}

hasChildren()

true

getParentUrl()

getTitle(String lang)

About Us

getTitle()

About Us

getUrl()

/wcnewsite/about

getAttributes()

{}

getAttribute(String attribute)

isRedirect()

false

getRedirectType()

none

isSelected()

true

getName()

about

getTemplate()

template_back.vm

isSecure()

false

Available Tools

Tool	Uses
$sd	sd.getCustomContent("name") sd.getPrintData("srcFile", "group", "value")
$search	search.getSearchFrame("searchWebappURL","serverSpec", "collection", "indexName") search.getSearchResults("searchWebappURL","serverSpec", "collection", "indexName") search.getSearchResults("indexName")
$calc	calc.getKidCalc() calc.getLoanCalc() calc.getLoanCompCalc() calc.getMortCalc() calc.getRetCalc() calc.getSaveCalc()
$map	http://java.sun.com/j2se/1.5.0/docs/api/java/util/HashMap.html
$date	http://jsourcery.com/output/apache/jakarta/velocity/1.4/org/apache/velocity/tools/generic/DateTool.html
$browser	http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/BrowserSnifferTool.html
$cookies	http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/CookieTool.html
$params	http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/ParameterParser.html
$math	http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/generic/MathTool.html
$number	http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/generic/NumberTool.html

Tool

Uses

$sd

sd.getCustomContent("name")
sd.getPrintData("srcFile", "group", "value")

$search

search.getSearchFrame("searchWebappURL","serverSpec", "collection", "indexName")
search.getSearchResults("searchWebappURL","serverSpec", "collection", "indexName")
search.getSearchResults("indexName")

$calc

calc.getKidCalc()
calc.getLoanCalc()
calc.getLoanCompCalc()
calc.getMortCalc()
calc.getRetCalc()
calc.getSaveCalc()

$map

http://java.sun.com/j2se/1.5.0/docs/api/java/util/HashMap.html

$date

http://jsourcery.com/output/apache/jakarta/velocity/1.4/org/apache/velocity/tools/generic/DateTool.html

$browser

http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/BrowserSnifferTool.html

$cookies

http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/CookieTool.html

$params

http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/view/tools/ParameterParser.html

$math

http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/generic/MathTool.html

$number

http://velocity.apache.org/tools/releases/1.4/javadoc/org/apache/velocity/tools/generic/NumberTool.html

Template Used:	template_back.vm
Snippet:	fiFiles\content\en\about.vm
URL:	www.washtrust.com/wcnewsite/about
Secure:	false

#diParse("/content/template_back.vm")	Root is diFiles path
#parseFiContent("about.vm")	Only allows files located under fiFiles\content\en\

The Washington Trust Company - About Us

Global Available Macros

Context Variables

Nav Item Available Methods

Available Tools