Bainbridge Island, WA · Cert 16730
FDIC
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Bainbridge Island, WA · Cert 16730
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.52% | 0.43% | 0.23% | -20.28% | -10.28% | -10.78% | -8.21% | -844 bps | |
| Return on Equity | 5.61% | 6.31% | 5.25% | 2.82% | -340% | -199.57% | -263% | -235% | -23,755 bps | |
| Net Interest Margin | 3.87% | 3.81% | 3.79% | 3.72% | 3.17% | 3.05% | 3.17% | 3.47% | -25 bps | |
| Efficiency Ratio | 80.34% | 77.16% | 77.60% | 84.84% | 146.22% | 120.39% | 114.03% | 117.36% | +3,252 bps | |
| Non-Interest Burden | 2.95% | 2.74% | 2.74% | 3.08% | 4.33% | 3.70% | 3.68% | 4.13% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.95% | 4.61% | 5.38% | -2.67% | -9.52% | -7.44% | -11.43% | -18.81% | -1,614 bps | |
| Loan Growth (YoY) | 11.75% | 7.65% | 6.23% | -5.79% | -13.31% | -12.96% | -17.00% | -20.45% | -1,466 bps | |
| Deposit Growth (YoY) | 2.62% | 0.23% | -0.80% | -1.07% | 0.23% | -1.66% | -3.98% | -10.35% | -928 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 | 0.03% | 0.69% | 0.77% | 0.74% | 19.46% | 9.88% | 11.71% | 9.78% | +904 bps | |
| Allowance / Loans | 1.38% | 1.26% | 1.34% | 1.36% | 3.35% | 3.36% | 4.76% | 4.76% | +340 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 | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.34% | 11.47% | 11.62% | 11.81% | 5.90% | 5.91% | 1.28% | 2.19% | -963 bps | |
| Equity / Assets | 8.22% | 8.19% | 8.11% | 8.25% | 3.51% | 3.48% | 0.70% | 0.72% | -754 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.20% | 99.07% | 96.73% | 94.21% | 89.26% | 87.69% | 83.62% | 83.59% | -1,062 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.75% | 1.70% | 1.12% | 1.70% | 13.85% | 5.07% | +338 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |