University Place, WA · Cert 33997
FDIC
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.91% | -4.41% | -6.29% | -6.63% | -6.09% | -318 bps | |
| Return on Equity | -44.57% | -87.46% | -144.98% | -184.16% | -205% | -16,011 bps | |
| Net Interest Margin | 3.26% | 3.47% | 3.49% | 3.44% | 3.49% | +24 bps | |
| Efficiency Ratio | 110.43% | 128.47% | 230% | 245% | 231% | +12,015 bps | |
| Non-Interest Burden | 3.64% | 4.60% | 5.78% | 5.95% | 6.41% | +278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.87% | -20.39% | -24.47% | -27.44% | -21.34% | -47 bps | |
| Loan Growth (YoY) | -20.78% | -21.46% | -24.19% | -26.62% | -27.66% | -688 bps | |
| Deposit Growth (YoY) | -19.20% | -17.44% | -20.65% | -23.23% | -16.73% | +248 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 4.38% | 7.52% | 7.98% | 8.36% | 7.31% | +293 bps | |
| Allowance / Loans | 3.72% | 3.26% | 3.41% | 3.47% | 3.18% | -54 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 7.31% | 6.27% | 4.33% | 2.37% | 0.08% | -723 bps | |
| Equity / Assets | 5.52% | 4.55% | 2.78% | 1.07% | 0.04% | -549 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.41% | 79.53% | 75.97% | 73.63% | 73.32% | -1,109 bps | |
| Liquid Assets / Assets | 0.83% | 0.02% | 0.02% | 0.02% | 0.02% | -81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |