Fairfield, WA · Cert 11207
FDIC · 8 branches
Q3 2015
Market Position · Spokane-Spokane Valley, WA · 2015 SOD (annual) · 1.3% share · #13 of 19 inst. · $0.1B of $7.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 0.53% | 0.51% | 0.54% | 0.14%1 | -41 bps | |
| Return on Equity | 5.64% | 5.34% | 5.19% | 5.49% | 1.44% | -420 bps | |
| Net Interest Margin | 3.79% | 4.07% | 3.86% | 3.90% | 3.99% | +21 bps | |
| Efficiency Ratio | 82.32% | 83.40% | 85.12% | 84.81% | 103.34% | +2,103 bps | |
| Non-Interest Burden | 3.05% | 3.33% | 3.25% | 3.26% | 4.14% | +109 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.55% | 4.26% | 3.02% | -1.57% | -0.71% | +184 bps | |
| Loan Growth (YoY) | 2.67% | 2.09% | 13.51% | 7.41% | 6.21% | +355 bps | |
| Deposit Growth (YoY) | -4.85% | 4.27% | 1.66% | 2.88% | -7.21% | -236 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.11% | 0.08% | 0.07% | -0.04% | -6 bps | |
| Allowance / Loans | 1.79% | 1.71% | 1.81% | 1.57% | 1.60% | -19 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 9.66% | 9.65% | 9.50% | n/a | |
| Total Risk-Based Capital | 14.03% | 14.11% | 14.57% | 14.25% | 13.13% | -90 bps | |
| Equity / Assets | 9.97% | 10.07% | 9.73% | 9.63% | 9.81% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.94% | 82.92% | 76.89% | 94.21% | 98.38% | +1,244 bps | |
| Liquid Assets / Assets | 11.64% | 9.80% | 17.69% | 13.74% | 11.15% | -49 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |