Spokane, WA · Cert 27601
FDIC · 20 branches
Q3 2018
Market Position · Spokane-Spokane Valley, WA · 2018 SOD (annual) · 5.2% share · #8 of 18 inst. · $0.5B of $9.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.69% | 0.86% | 0.79% | 0.65% | 1.13% | 1.12% | -1.18% | -197 bps | |
| Return on Equity | 8.15% | 5.80% | 7.10% | 6.97% | 6.03% | 10.30% | 9.93% | -7.22% | -1,419 bps | |
| Net Interest Margin | 4.27% | 4.17% | 4.43% | 4.73% | 4.74% | 4.62% | 4.80% | -6.87% | -1,160 bps | |
| Efficiency Ratio | 71.10% | 74.80% | 71.59% | 74.16% | 72.25% | 69.40% | 68.94% | 53.63% | -2,053 bps | |
| Non-Interest Burden | 2.81% | 2.95% | 2.94% | 3.34% | 3.31% | 3.03% | 3.14% | -4.40% | -775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.18% | 6.19% | 7.71% | 27.80% | 29.96% | 28.84% | 27.28% | 11.58% | -1,621 bps | |
| Loan Growth (YoY) | 3.21% | 3.86% | 10.58% | 43.02% | 37.92% | 33.34% | 33.22% | 2.37% | -4,065 bps | |
| Deposit Growth (YoY) | 4.20% | 6.47% | 8.20% | 28.70% | 31.72% | 30.34% | 27.99% | -0.21% | -2,891 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.19% | 0.18% | 0.21% | 0.28% | 0.35% | 0.00% | -17 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.08% | 0.01% | -0.01% | 0.02% | -0.02% | -0.02% | 0.04% | +5 bps | |
| Allowance / Loans | 1.25% | 1.27% | 1.23% | 1.02% | 1.05% | 1.12% | 1.09% | 0.00% | -102 bps | |
| Allowance Coverage of NPLs | n/a | 6.3x | 6.6x | 5.8x | 5.0x | 4.0x | 3.1x | 0.0x | -5.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.81% | 11.08% | 11.30% | 9.96% | 9.49% | 9.84% | 10.23% | 9.72% | -24 bps | |
| Total Risk-Based Capital | 12.97% | 12.97% | 12.46% | 11.05% | 11.10% | 11.69% | 11.48% | 9.86% | -118 bps | |
| Equity / Assets | 11.91% | 11.98% | 12.24% | 10.71% | 10.86% | 11.10% | 11.49% | 20.60% | +989 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.16% | 90.64% | 97.81% | 95.02% | 95.45% | 92.72% | 101.81% | 97.48% | +246 bps | |
| Liquid Assets / Assets | 2.80% | 2.79% | 2.68% | 3.45% | 3.31% | 0.54% | 0.47% | 0.32% | -313 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |