Seattle, WA · Cert 33618
FDIC
Q3 2011
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 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.37% | -0.86% | -1.66% | -2.08% | -1.85% | -1.14% | -1.83% | -1.94% | +13 bps | |
| Return on Equity | -31.91% | -13.66% | -26.58% | -33.41% | -29.87% | -18.98% | -31.18% | -33.78% | -36 bps | |
| Net Interest Margin | 2.94% | 2.96% | 3.20% | 3.44% | 3.76% | 3.40% | 3.59% | 3.78% | +33 bps | |
| Efficiency Ratio | 105.38% | 83.08% | 83.58% | 88.59% | 97.63% | 76.00% | 91.72% | 97.29% | +869 bps | |
| Non-Interest Burden | 3.07% | 2.42% | 2.65% | 3.05% | 3.68% | 2.25% | 3.27% | 3.67% | +62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.17% | -12.22% | -20.00% | -25.36% | -26.47% | -21.77% | -22.36% | -17.89% | +747 bps | |
| Loan Growth (YoY) | -14.44% | -14.91% | -22.76% | -24.63% | -22.18% | -24.06% | -19.08% | -20.80% | +383 bps | |
| Deposit Growth (YoY) | 8.68% | -7.59% | -18.15% | -21.75% | -26.72% | -21.20% | -20.22% | -17.31% | +444 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 | 4.63% | 0.80% | 3.49% | 3.80% | 3.75% | 3.18% | 3.09% | 3.22% | -58 bps | |
| Allowance / Loans | 2.62% | 2.99% | 2.85% | 3.08% | 2.68% | 2.84% | 2.90% | 3.06% | -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 | 8.76% | 8.63% | 8.60% | 8.23% | 8.26% | 8.69% | 8.17% | 8.10% | -12 bps | |
| Equity / Assets | 6.16% | 6.39% | 6.22% | 6.07% | 6.14% | 5.85% | 5.61% | 5.35% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.82% | 83.11% | 81.29% | 82.58% | 85.84% | 80.09% | 82.44% | 79.10% | -348 bps | |
| Liquid Assets / Assets | 10.43% | 7.61% | 9.80% | 6.52% | 13.57% | 16.71% | 11.10% | 14.55% | +803 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |