Longview, WA · Cert 22643
FDIC
Q2 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2010, the quarter ended June 30, 2010, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Longview, WA · Cert 22643
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.03% | -1.33% | -1.14% | -5.68% | -4.68% | -5.82% | -8.99% | -5.53% | +15 bps | |
| Return on Equity | -17.96% | -12.10% | -11.67% | -62.61% | -55.49% | -76.20% | -274% | -189.99% | -12,737 bps | |
| Net Interest Margin | 4.24% | 3.98% | 2.92% | 2.73% | 2.72% | 2.55% | 1.95% | 2.16% | -58 bps | |
| Efficiency Ratio | 80.61% | 72.38% | 96.22% | 105.07% | 88.21% | 102.42% | 168.57% | 162.67% | +5,760 bps | |
| Non-Interest Burden | 3.29% | 2.71% | 2.79% | 2.90% | 2.25% | 2.95% | 3.71% | 3.89% | +99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.36% | 14.30% | 8.06% | 9.54% | 2.39% | -5.88% | -10.55% | -15.67% | -2,521 bps | |
| Loan Growth (YoY) | 9.49% | 9.03% | 0.66% | -6.77% | -14.27% | -20.75% | -22.93% | -22.24% | -1,547 bps | |
| Deposit Growth (YoY) | 13.19% | 17.78% | 11.76% | 13.42% | 6.33% | 0.17% | -3.20% | -10.62% | -2,404 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 | 2.33% | 2.21% | 8.35% | 6.30% | 5.72% | 7.54% | 9.94% | 5.58% | -72 bps | |
| Allowance / Loans | 3.17% | 3.17% | 2.02% | 2.08% | 3.00% | 2.96% | 3.72% | 3.72% | +165 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 | 11.17% | 11.10% | 10.64% | 9.75% | 9.48% | 7.34% | 4.36% | 3.74% | -601 bps | |
| Equity / Assets | 9.78% | 9.98% | 9.63% | 7.56% | 6.49% | 4.31% | 2.21% | 2.08% | -548 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.63% | 82.80% | 78.76% | 75.16% | 69.84% | 65.50% | 62.71% | 65.39% | -977 bps | |
| Liquid Assets / Assets | 0.10% | 0.06% | 0.03% | 13.01% | 18.84% | 23.71% | 23.68% | 19.79% | +678 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |