Chelan, WA · Cert 26846
FDIC
Q2 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.77% | 0.86% | 0.70% | 0.80% | 0.48% | 0.50% | 0.83% | +13 bps | |
| Return on Equity | 7.92% | 6.79% | 7.26% | 5.85% | 6.77% | 4.06% | 4.13% | 7.02% | +118 bps | |
| Net Interest Margin | 3.81% | 3.93% | 3.85% | 3.77% | 3.68% | 3.53% | 3.48% | 3.60% | -17 bps | |
| Efficiency Ratio | 74.09% | 74.81% | 77.72% | 76.27% | 75.91% | 81.63% | 79.13% | 69.08% | -719 bps | |
| Non-Interest Burden | 2.74% | 2.88% | 2.92% | 2.79% | 2.72% | 2.88% | 2.70% | 2.35% | -44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.00% | 0.90% | -0.05% | -1.56% | 1.15% | 5.28% | 2.87% | -0.85% | +71 bps | |
| Loan Growth (YoY) | -3.39% | -2.73% | -2.56% | 4.94% | -0.22% | 5.57% | 3.74% | -1.72% | -666 bps | |
| Deposit Growth (YoY) | 10.03% | 2.35% | -1.02% | -4.70% | 0.09% | 4.94% | 2.37% | 2.49% | +719 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 | -0.08% | -0.07% | 1.27% | 0.88% | -0.17% | 0.07% | 0.18% | -0.12% | -100 bps | |
| Allowance / Loans | 1.91% | 1.97% | 1.80% | 1.47% | 1.55% | 1.48% | 1.54% | 1.58% | +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 | 15.01% | 15.98% | 16.39% | 15.95% | 16.80% | 16.20% | 17.20% | 15.27% | -67 bps | |
| Equity / Assets | 10.84% | 11.77% | 11.98% | 11.99% | 11.74% | 11.88% | 12.34% | 11.19% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.38% | 72.63% | 71.38% | 76.85% | 70.17% | 73.07% | 72.33% | 73.70% | -316 bps | |
| Liquid Assets / Assets | 6.49% | 3.72% | 4.52% | 1.71% | 11.52% | 8.15% | 10.47% | 8.80% | +710 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |