Redmond, WA · Cert 27372
FDIC
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.29% | 1.51% | 1.49% | 1.46% | 1.19% | 1.10% | 1.38% | -11 bps | |
| Return on Equity | 12.67% | 12.25% | 12.32% | 11.85% | 11.45% | 9.30% | 8.75% | 11.19% | -67 bps | |
| Net Interest Margin | 5.77% | 5.56% | 6.05% | 5.78% | 5.75% | 5.09% | 4.67% | 4.58% | -120 bps | |
| Efficiency Ratio | 60.30% | 61.51% | 57.59% | 56.95% | 57.23% | 59.06% | 48.02% | 47.63% | -932 bps | |
| Non-Interest Burden | 3.40% | 3.34% | 3.33% | 3.16% | 3.17% | 2.90% | 2.15% | 2.10% | -107 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.84% | 18.51% | 21.36% | 15.87% | 12.09% | 8.04% | 10.15% | 18.05% | +218 bps | |
| Loan Growth (YoY) | 15.57% | 26.22% | 27.73% | 17.00% | 13.69% | 5.31% | 9.95% | 22.23% | +522 bps | |
| Deposit Growth (YoY) | 5.02% | 13.35% | 25.16% | 20.91% | 14.54% | 19.14% | 3.99% | 8.39% | -1,252 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 | 0.06% | 0.05% | 0.03% | 0.03% | 0.14% | 0.57% | 0.59% | 0.90% | +87 bps | |
| Allowance / Loans | 1.47% | 1.44% | 1.47% | 1.62% | 1.57% | 1.27% | 1.26% | 0.94% | -67 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 | 11.15% | 13.90% | 13.37% | 14.51% | 14.69% | 14.20% | 13.31% | 12.60% | -191 bps | |
| Equity / Assets | 9.97% | 12.39% | 12.20% | 13.11% | 13.43% | 12.86% | 12.23% | 11.87% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 113.99% | 120.83% | 109.34% | 106.25% | 113.14% | 106.80% | 115.61% | 119.81% | +1,356 bps | |
| Liquid Assets / Assets | 1.14% | 1.04% | 1.38% | 2.84% | 1.03% | 3.12% | 0.90% | 0.85% | -199 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |