Seattle, WA · Charter 14630
Q3 2015
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | -0.21% | -0.28% | -0.18% | -0.80% | -0.59% | -4.03% | -3.75% | -4.13% | -333 bps | |
| Return on Equity | -2.74% | -4.27% | -2.44% | -11.64% | -8.40% | -67.16% | -64.46% | -93.71% | -8,207 bps | |
| Net Interest Margin | 2.90% | 2.51% | 2.88% | 2.78% | 2.82% | 2.49% | 2.70% | 2.59% | -19 bps | |
| Efficiency Ratio | 109.73% | 110.02% | 105.93% | 107.54% | 106.79% | 197.45% | 177.70% | 198.07% | +9,053 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.60% | 4.97% | -8.10% | -4.37% | -0.87% | -11.27% | -8.91% | -8.50% | -413 bps | |
| Loan Growth (YoY) | 6.58% | 10.62% | 4.81% | 0.29% | 5.17% | -3.35% | -1.88% | -3.22% | -351 bps | |
| Share Growth (YoY) | -3.69% | 5.78% | -7.45% | -4.23% | -1.52% | -11.06% | -8.05% | -6.66% | -242 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.34% | 0.51% | 0.48% | 0.40% | 0.37% | 0.32% | 0.15% | -32 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 | 0.48% | 0.47% | 0.48% | 0.39% | 0.22% | 0.70% | 1.08% | 1.26% | +87 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.55% | 6.67% | 7.51% | 6.84% | 7.03% | 6.00% | 5.82% | 4.40% | -244 bps | |
| Net Worth / Assets | 7.55% | 6.67% | 7.51% | 6.84% | 7.03% | 6.00% | 5.82% | 4.40% | -244 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.12% | 43.28% | 48.14% | 45.54% | 50.33% | 47.03% | 51.38% | 47.22% | +168 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 99.14% | 0.00% | 0.00% | 0.00% | 0.00% | -9,914 bps | |