Longview, WA · Cert 22643
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.03% | 0.62% | -1.14% | -10.20% | -2.66% | -9.31% | -8.99% | -1.82% | +839 bps | |
| Return on Equity | -10.03% | 6.26% | -11.67% | -118.57% | -37.89% | -171.56% | -274% | -84.60% | +3,397 bps | |
| Net Interest Margin | 4.23% | 3.76% | 2.92% | 2.61% | 2.55% | 1.91% | 1.95% | 2.25% | -36 bps | |
| Efficiency Ratio | 71.53% | 45.27% | 96.22% | 114.73% | 66.29% | 174.98% | 168.57% | 156.98% | +4,224 bps | |
| Non-Interest Burden | 2.87% | 1.40% | 2.79% | 3.07% | 0.80% | 4.94% | 3.71% | 3.85% | +78 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 | 2.09% | 1.82% | 8.35% | 3.86% | 3.73% | 11.45% | 9.94% | 0.84% | -302 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 |