Renton, WA · Charter 24747
Q4 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.42% | 0.58% | 0.19% | -4.10% | -1.69% | -0.33% | -6.68% | -687 bps | |
| Return on Equity | 2.42% | 2.24% | 3.25% | 1.01% | -24.63% | -9.85% | -1.98% | -60.37% | -6,138 bps | |
| Net Interest Margin | 3.33% | 3.28% | 3.13% | 3.25% | 3.08% | 3.18% | 3.05% | 2.01% | -124 bps | |
| Efficiency Ratio | 82.47% | 83.50% | 85.51% | 93.40% | 719% | 154.70% | 80.28% | 355% | +26,179 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.22% | -0.06% | 3.26% | 3.12% | 4.27% | 5.49% | 5.87% | 4.28% | +115 bps | |
| Loan Growth (YoY) | -14.90% | -12.28% | -4.55% | -7.52% | -5.47% | -1.58% | -0.51% | -7.71% | -19 bps | |
| Share Growth (YoY) | -0.31% | -1.33% | 4.24% | 5.68% | 7.63% | 8.23% | 7.52% | 13.08% | +740 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 2.35% | 0.40% | 0.63% | 1.99% | 3.23% | 0.66% | 0.78% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.79% | 0.56% | 0.63% | 0.75% | 0.77% | 0.89% | 0.79% | +17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.37% | 18.53% | 17.85% | 18.51% | 16.66% | 17.17% | 16.68% | 11.07% | -744 bps | |
| Net Worth / Assets | 18.37% | 18.53% | 17.85% | 18.51% | 16.66% | 17.17% | 16.68% | 11.07% | -744 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.45% | 53.04% | 49.21% | 52.26% | 47.83% | 48.24% | 45.53% | 42.65% | -961 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |