Bellevue, WA · Cert 19835
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.14% | 1.22% | 1.08% | 1.16% | 0.87% | 0.96% | 0.83% | -25 bps | |
| Return on Equity | 15.94% | 15.67% | 16.33% | 13.63% | 13.68% | 9.80% | 11.08% | 9.98% | -365 bps | |
| Net Interest Margin | 3.99% | 3.93% | 4.01% | 3.87% | 3.81% | 3.71% | 4.08% | 3.84% | -3 bps | |
| Efficiency Ratio | 60.53% | 60.67% | 58.14% | 57.70% | 60.00% | 68.07% | 62.51% | 58.12% | +42 bps | |
| Non-Interest Burden | 2.21% | 2.15% | 2.08% | 2.00% | 1.96% | 2.32% | 2.41% | 2.05% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.21% | 5.52% | 2.89% | -0.58% | -2.61% | -6.73% | -6.95% | -4.83% | -425 bps | |
| Loan Growth (YoY) | 7.57% | 8.68% | 6.48% | 1.62% | -0.42% | -4.41% | -1.84% | 3.24% | +163 bps | |
| Deposit Growth (YoY) | 13.19% | 5.37% | 6.41% | 5.18% | -1.34% | 0.14% | -1.92% | -5.75% | -1,093 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 | 0.02% | 0.03% | 0.02% | 0.36% | 0.07% | 0.08% | 0.07% | 0.20% | -15 bps | |
| Allowance / Loans | 1.13% | 1.06% | 1.08% | 1.07% | 1.10% | 1.10% | 1.10% | 1.18% | +11 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 | 11.05% | 10.68% | 11.54% | 12.40% | 12.63% | 12.92% | 11.66% | 11.76% | -64 bps | |
| Equity / Assets | 7.23% | 7.27% | 7.64% | 8.25% | 8.65% | 9.03% | 8.33% | 8.39% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.46% | 121.65% | 119.14% | 111.92% | 114.53% | 116.12% | 119.24% | 122.60% | +1,068 bps | |
| Liquid Assets / Assets | 0.88% | 0.64% | 0.70% | 1.17% | 0.83% | 1.22% | 1.12% | 0.72% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |