Bainbridge Island, WA · Cert 16730
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.57% | 0.25% | -0.37% | -20.28% | -0.11% | -11.71% | 0.42% | +79 bps | |
| Return on Equity | 5.61% | 6.98% | 3.06% | -4.54% | -340% | -3.07% | -550% | 59.56% | +6,410 bps | |
| Net Interest Margin | 3.87% | 3.74% | 3.69% | 3.37% | 3.17% | 2.94% | 3.18% | 3.46% | +9 bps | |
| Efficiency Ratio | 80.34% | 73.97% | 78.50% | 121.82% | 146.22% | 103.55% | 103.90% | 128.52% | +671 bps | |
| Non-Interest Burden | 2.95% | 2.52% | 2.70% | 4.00% | 4.33% | 3.08% | 3.34% | 4.46% | +46 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% | 1.35% | 0.88% | 0.58% | 19.46% | 0.08% | 13.81% | 1.40% | +83 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 |