Coupeville, WA · Cert 18412
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 1.17% | 1.15% | 1.16% | 0.78% | 1.17% | 0.70% | 1.12% | -4 bps | |
| Return on Equity | 6.47% | 9.94% | 9.67% | 9.64% | 6.43% | 9.62% | 5.87% | 9.31% | -33 bps | |
| Net Interest Margin | 5.05% | 4.95% | 4.77% | 4.38% | 4.26% | 4.25% | 4.21% | 3.98% | -41 bps | |
| Efficiency Ratio | 69.61% | 65.50% | 55.72% | 60.11% | 43.21% | 62.85% | 77.03% | 77.27% | +1,716 bps | |
| Non-Interest Burden | 3.32% | 2.97% | 2.24% | 2.27% | 0.29% | 2.38% | 3.09% | 2.85% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.83% | 0.04% | 0.99% | -1.70% | -2.76% | -1.87% | -0.19% | 1.14% | +284 bps | |
| Loan Growth (YoY) | -5.43% | -3.35% | -1.43% | -2.69% | -1.40% | -2.24% | -4.09% | -1.14% | +155 bps | |
| Deposit Growth (YoY) | -2.20% | -1.48% | -0.24% | -2.99% | -3.05% | -1.97% | 0.31% | 1.38% | +437 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 | 1.04% | 0.84% | 0.34% | 0.25% | 0.31% | 0.21% | -0.04% | 0.00% | -25 bps | |
| Allowance / Loans | 1.74% | 1.64% | 1.87% | 2.05% | 3.06% | 3.05% | 3.04% | 2.74% | +69 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 | 19.16% | 18.97% | 18.77% | 19.16% | 19.19% | 19.26% | 19.20% | 19.17% | +1 bps | |
| Equity / Assets | 11.68% | 11.86% | 11.90% | 12.14% | 12.06% | 12.18% | 11.80% | 12.18% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.54% | 73.27% | 74.14% | 72.93% | 74.79% | 73.06% | 70.89% | 71.12% | -182 bps | |
| Liquid Assets / Assets | 5.72% | 5.04% | 4.48% | 4.65% | 2.85% | 4.56% | 6.18% | 4.54% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |