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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 0.37% | 0.52% | 0.76% | 0.45% | 0.51% | 0.56% | -0.66% | -141 bps | |
| Return on Equity | 10.37% | 3.68% | 5.41% | 7.82% | 4.45% | 5.19% | 5.80% | -6.77% | -1,459 bps | |
| Net Interest Margin | 4.25% | 3.70% | 3.87% | 4.11% | 4.21% | 3.86% | 3.98% | 4.18% | +7 bps | |
| Efficiency Ratio | 88.93% | 87.94% | 83.30% | 76.64% | 86.59% | 85.12% | 84.53% | 138.18% | +6,154 bps | |
| Non-Interest Burden | 3.73% | 3.21% | 3.16% | 3.05% | 3.60% | 3.25% | 3.31% | 5.89% | +284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | 0.67% | 11.57% | -2.55% | 4.26% | 3.02% | -1.57% | -0.71% | +184 bps | |
| Loan Growth (YoY) | -2.75% | -3.94% | 0.12% | 2.67% | 2.09% | 13.51% | 7.41% | 6.21% | +355 bps | |
| Deposit Growth (YoY) | 2.62% | 0.46% | 1.71% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.08% | -0.03% | 0.36% | 0.08% | 0.07% | -0.25% | -23 bps | |
| Allowance / Loans | 1.86% | 2.20% | 1.81% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | 9.66% | 9.65% | 9.50% | n/a | |
| Total Risk-Based Capital | 14.09% | 15.24% | 13.76% | 14.03% | 14.11% | 14.57% | 14.25% | 13.13% | -90 bps | |
| Equity / Assets | 10.18% | 9.77% | 9.37% | 9.97% | 10.07% | 9.73% | 9.63% | 9.81% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.69% | 68.86% | 90.24% | 85.94% | 82.92% | 76.89% | 94.21% | 98.38% | +1,244 bps | |
| Liquid Assets / Assets | 14.90% | 24.94% | 16.13% | 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 | n/a | n/a | n/a |