Seattle, WA · Charter 12281
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Charter 12281
Q2 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.15% | -2.61% | 1.17% | -0.10% | 0.29% | 0.53% | -0.91% | -2.06% | -196 bps | |
| Return on Equity | -55.11% | -50.95% | 20.98% | -2.34% | 5.27% | 9.37% | -16.02% | -36.40% | -3,405 bps | |
| Net Interest Margin | 4.04% | 4.19% | 4.43% | 3.30% | 4.11% | 3.99% | 3.48% | 3.53% | +23 bps | |
| Efficiency Ratio | 133.98% | 108.15% | 104.74% | 96.23% | 78.82% | 80.56% | 128.86% | 123.87% | +2,764 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.20% | -20.73% | -23.63% | -1.44% | -12.21% | 0.72% | -1.54% | -26.02% | -2,458 bps | |
| Loan Growth (YoY) | -11.71% | -10.40% | -11.39% | 0.47% | 0.16% | 6.21% | -0.56% | -12.74% | -1,321 bps | |
| Share Growth (YoY) | -17.80% | -19.18% | -24.04% | -1.05% | -12.11% | 0.43% | -1.48% | -26.33% | -2,528 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.92% | 19.45% | 3.33% | 1.29% | 0.51% | 0.02% | 1.18% | 1.82% | +54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 2.45% | 1.97% | 1.97% | 2.10% | 1.98% | 1.88% | 2.64% | +67 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.71% | 5.12% | 5.58% | 4.44% | 5.55% | 5.61% | 5.70% | 5.67% | +123 bps | |
| Net Worth / Assets | 5.71% | 5.12% | 5.58% | 4.44% | 5.55% | 5.61% | 5.70% | 5.67% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.24% | 73.59% | 75.79% | 73.03% | 84.61% | 77.82% | 76.49% | 86.51% | +1,348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |