Tacoma, WA · Cert 34411
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | 0.53% | -4.00% | -14.95% | -11.06% | -1.17% | -11.52% | -0.59% | +1,435 bps | |
| Return on Equity | -3.72% | 5.22% | -39.64% | -186.26% | -224% | -29.75% | -357% | -29.23% | +15,703 bps | |
| Net Interest Margin | 3.08% | 3.11% | 3.27% | 3.33% | 2.97% | 2.69% | 2.65% | 3.08% | -24 bps | |
| Efficiency Ratio | 106.18% | 85.34% | 105.86% | 177.87% | 620% | 141.55% | 121.65% | 119.13% | -5,875 bps | |
| Non-Interest Burden | 3.59% | 1.84% | 3.75% | 7.39% | 18.17% | 3.86% | 3.22% | 3.69% | -370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.14% | 4.57% | 4.43% | -4.48% | 0.10% | -7.54% | -14.79% | -14.52% | -1,004 bps | |
| Loan Growth (YoY) | 11.34% | 2.66% | -2.77% | -14.32% | -19.16% | -21.10% | -24.33% | -15.98% | -166 bps | |
| Deposit Growth (YoY) | 7.67% | 4.39% | 3.50% | -1.06% | -1.26% | -9.32% | -13.95% | -18.02% | -1,696 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 | 0.49% | 0.63% | 2.63% | 11.15% | 0.21% | 3.12% | 3.84% | 0.16% | -1,099 bps | |
| Allowance / Loans | 1.26% | 1.26% | 2.36% | 3.96% | 4.07% | 3.50% | 5.01% | 5.00% | +104 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 | 11.95% | 14.10% | 12.95% | 8.84% | 4.81% | 5.93% | 4.29% | 4.13% | -471 bps | |
| Equity / Assets | 9.50% | 10.64% | 9.54% | 6.39% | 3.53% | 4.34% | 2.02% | 2.05% | -434 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.04% | 96.31% | 93.31% | 86.52% | 86.00% | 83.79% | 82.04% | 88.67% | +214 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.04% | 15.76% | 19.78% | 21.98% | 23.60% | 14.80% | -97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |