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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.23% | -20.28% | -10.28% | -10.78% | -8.21% | -844 bps | |
| Return on Equity | 2.82% | -340% | -199.57% | -263% | -235% | -23,755 bps | |
| Net Interest Margin | 3.72% | 3.17% | 3.05% | 3.17% | 3.47% | -25 bps | |
| Efficiency Ratio | 84.84% | 146.22% | 120.39% | 114.03% | 117.36% | +3,252 bps | |
| Non-Interest Burden | 3.08% | 4.33% | 3.70% | 3.68% | 4.13% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.67% | -9.52% | -7.44% | -11.43% | -18.81% | -1,614 bps | |
| Loan Growth (YoY) | -5.79% | -13.31% | -12.96% | -17.00% | -20.45% | -1,466 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.74% | 19.46% | 9.88% | 11.71% | 9.78% | +904 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.81% | 5.90% | 5.91% | 1.28% | 2.19% | -963 bps | |
| Equity / Assets | 8.25% | 3.51% | 3.48% | 0.70% | 0.72% | -754 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.21% | 89.26% | 87.69% | 83.62% | 83.59% | -1,062 bps | |
| Liquid Assets / Assets | 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 |