Seattle, WA · Cert 20501
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 | 3.41% | 0.30% | 0.12% | -6.52% | 0.26% | -15.24% | -5.41% | -0.18% | +634 bps | |
| Return on Equity | 37.43% | 3.27% | 1.34% | -82.51% | 3.77% | -321% | -245% | -10.66% | +7,185 bps | |
| Net Interest Margin | 3.89% | 3.61% | 3.71% | 3.25% | 2.97% | 2.78% | 2.51% | 2.97% | -28 bps | |
| Efficiency Ratio | 30.56% | 77.66% | 85.63% | 118.74% | 90.81% | 122.13% | 103.74% | 115.44% | -329 bps | |
| Non-Interest Burden | -2.80% | 2.71% | 3.12% | 4.02% | 2.67% | 3.37% | 2.62% | 3.45% | -56 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.92% | 18.38% | 13.60% | 9.73% | 13.06% | 11.04% | 3.87% | -14.08% | -2,381 bps | |
| Loan Growth (YoY) | 25.03% | 23.08% | 19.21% | 12.58% | 8.98% | -2.40% | -9.21% | -12.35% | -2,494 bps | |
| Deposit Growth (YoY) | 10.22% | 4.90% | 12.39% | 15.85% | 19.31% | 32.10% | 21.76% | -5.17% | -2,102 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 | 0.75% | 0.18% | 0.01% | 4.45% | 0.39% | 9.31% | 1.35% | 0.15% | -431 bps | |
| Allowance / Loans | 1.35% | 1.36% | 1.44% | 2.48% | 2.39% | 4.74% | 6.36% | 6.55% | +406 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 | 11.91% | 10.85% | 10.72% | 8.96% | 9.22% | 4.93% | 3.39% | 3.44% | -551 bps | |
| Equity / Assets | 9.39% | 8.86% | 8.69% | 7.11% | 6.78% | 2.80% | 1.59% | 1.82% | -529 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 120.02% | 128.15% | 117.20% | 117.76% | 109.63% | 94.68% | 87.38% | 108.84% | -892 bps | |
| Liquid Assets / Assets | 1.48% | 1.29% | 0.98% | 1.36% | 6.86% | 9.48% | 4.72% | 6.82% | +545 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |