Lynnwood, WA · Cert 34022
FDIC · 3 branches
Q2 2016
Market Position · Seattle-Tacoma-Bellevue, WA · 2016 SOD (annual) · 0.1% share · #38 of 55 inst. · $0.1B of $97.6B
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.77% | 1.61% | 0.46% | 1.07% | 1.01% | 1.13% | 1.53% | 1.43% | +37 bps | |
| Return on Equity | 18.06% | 15.85% | 3.90% | 9.12% | 8.51% | 9.43% | 12.18% | 11.29% | +217 bps | |
| Net Interest Margin | 3.92% | 3.99% | 4.07% | 4.23% | 4.20% | 4.30% | 4.17% | 4.28% | +5 bps | |
| Efficiency Ratio | 66.84% | 68.15% | 85.70% | 71.80% | 73.23% | 70.69% | 65.01% | 67.42% | -438 bps | |
| Non-Interest Burden | 1.27% | 1.56% | 3.30% | 2.55% | 2.63% | 2.50% | 1.75% | 2.07% | -48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | -1.06% | -0.06% | -1.78% | -5.56% | -0.92% | 3.72% | -0.32% | +146 bps | |
| Loan Growth (YoY) | 3.58% | -1.42% | 0.83% | 2.82% | 2.04% | 6.20% | 3.08% | 5.80% | +298 bps | |
| Deposit Growth (YoY) | 0.04% | -3.53% | -2.53% | -3.96% | -6.98% | -2.03% | 3.01% | -7.36% | -340 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 | 0.51% | 0.39% | 0.05% | 0.01% | 0.07% | -0.03% | -0.03% | -0.08% | -9 bps | |
| Allowance / Loans | 1.85% | 1.90% | 1.81% | 1.77% | 1.76% | 1.82% | 1.81% | 1.75% | -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 | 9.62% | 9.89% | 10.12% | 11.03% | 11.40% | 11.62% | +173 bps | |
| Total Risk-Based Capital | 13.87% | 14.20% | 13.57% | 13.74% | 14.36% | 14.96% | 15.54% | 15.28% | +154 bps | |
| Equity / Assets | 10.78% | 11.66% | 11.71% | 11.70% | 12.23% | 12.67% | 12.39% | 13.06% | +136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.48% | 85.73% | 88.62% | 89.39% | 90.49% | 92.92% | 88.68% | 102.09% | +1,270 bps | |
| Liquid Assets / Assets | 13.28% | 9.95% | 7.50% | 7.28% | 7.05% | 5.73% | 10.42% | 4.21% | -306 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |