Enumclaw, WA · Cert 32996
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.38% | 1.14% | 1.19% | 1.02% | 1.42% | 0.91% | 1.24% | 1.06% | +4 bps | |
| Return on Equity | 13.80% | 11.29% | 11.92% | 10.72% | 15.09% | 9.56% | 13.14% | 11.11% | +39 bps | |
| Net Interest Margin | 4.66% | 4.67% | 4.58% | 4.50% | 4.48% | 4.44% | 4.50% | 4.51% | +1 bps | |
| Efficiency Ratio | 62.74% | 67.02% | 64.29% | 68.64% | 57.83% | 71.72% | 61.60% | 67.09% | -155 bps | |
| Non-Interest Burden | 2.56% | 2.89% | 2.69% | 2.88% | 2.24% | 3.03% | 2.52% | 2.81% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.43% | 9.63% | 12.35% | 15.36% | 15.87% | 18.38% | 16.49% | 7.10% | -826 bps | |
| Loan Growth (YoY) | 4.91% | 2.83% | 14.67% | 22.06% | 31.86% | 34.43% | 26.18% | 14.26% | -780 bps | |
| Deposit Growth (YoY) | 8.80% | 9.10% | 9.85% | 2.70% | 8.87% | 18.77% | 19.11% | 19.66% | +1,697 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 | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.26% | 1.19% | 1.12% | 1.10% | 1.10% | 1.10% | 1.14% | +2 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 | 14.99% | 15.41% | 14.32% | 13.49% | 13.33% | 12.97% | 12.98% | 13.11% | -38 bps | |
| Equity / Assets | 10.00% | 10.13% | 9.77% | 9.30% | 9.50% | 9.48% | 9.40% | 9.72% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.63% | 72.25% | 77.95% | 88.59% | 86.76% | 81.78% | 82.59% | 84.59% | -400 bps | |
| Liquid Assets / Assets | 4.45% | 1.44% | 0.80% | 0.95% | 0.48% | 0.80% | 3.22% | 4.47% | +352 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |