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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | -2.01% | -2.24% | -2.91% | -4.41% | -6.29% | -6.63% | -6.09% | -318 bps | |
| Return on Equity | 2.00% | -28.88% | -33.18% | -44.57% | -87.46% | -144.98% | -184.16% | -205% | -16,011 bps | |
| Net Interest Margin | 3.01% | 3.14% | 3.19% | 3.26% | 3.47% | 3.49% | 3.44% | 3.49% | +24 bps | |
| Efficiency Ratio | 86.38% | 96.48% | 106.96% | 110.43% | 128.47% | 230% | 245% | 231% | +12,015 bps | |
| Non-Interest Burden | 2.54% | 3.02% | 3.43% | 3.64% | 4.60% | 5.78% | 5.95% | 6.41% | +278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.99% | -11.72% | -10.41% | -20.87% | -20.39% | -24.47% | -27.44% | -21.34% | -47 bps | |
| Loan Growth (YoY) | -18.53% | -22.18% | -22.83% | -20.78% | -21.46% | -24.19% | -26.62% | -27.66% | -688 bps | |
| Deposit Growth (YoY) | -11.01% | -11.17% | -8.81% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.38% | 3.69% | 3.67% | 4.38% | 7.52% | 7.98% | 8.36% | 7.31% | +293 bps | |
| Allowance / Loans | 3.23% | 3.09% | 3.05% | 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 | 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 | 9.97% | 9.11% | 8.51% | 7.31% | 6.27% | 4.33% | 2.37% | 0.08% | -723 bps | |
| Equity / Assets | 7.34% | 6.45% | 6.08% | 5.52% | 4.55% | 2.78% | 1.07% | 0.04% | -549 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.60% | 79.52% | 77.03% | 84.41% | 79.53% | 75.97% | 73.63% | 73.32% | -1,109 bps | |
| Liquid Assets / Assets | 7.50% | 6.35% | 4.65% | 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 | n/a | n/a | n/a |