Bellevue, WA · Cert 34623
FDIC
Q1 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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | -2.19% | -2.59% | 0.18%1 | 0.31%1 | 0.24%1 | 0.08%1 | 0.52% | +34 bps | |
| Return on Equity | -33.13% | -28.25% | -31.70% | 1.70% | 2.95% | 2.28% | 0.79% | 5.05% | +334 bps | |
| Net Interest Margin | 2.24% | 2.24% | 2.62% | 3.57% | 3.46% | 3.37% | 3.28% | 3.20% | -37 bps | |
| Efficiency Ratio | 133.27% | 149.12% | 169.77% | 99.20% | 121.31% | 129.77% | 128.57% | 96.29% | -290 bps | |
| Non-Interest Burden | 3.43% | 3.82% | 4.83% | 3.58% | 4.23% | 4.40% | 4.23% | 3.06% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.62% | -2.12% | -13.96% | -22.20% | -30.77% | -9.82% | 2.04% | 1.30% | +2,350 bps | |
| Loan Growth (YoY) | -29.66% | -24.74% | -21.97% | -14.37% | -2.88% | 4.55% | 11.74% | 14.81% | +2,919 bps | |
| Deposit Growth (YoY) | 37.33% | 5.72% | -7.18% | -15.49% | -29.08% | -10.98% | -0.20% | 1.14% | +1,663 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 | 7.62% | 7.66% | 9.19% | 1.84% | 0.61% | 0.39% | 0.19% | -0.01% | -185 bps | |
| Allowance / Loans | 7.91% | 6.35% | 5.21% | 4.83% | 4.38% | 3.48% | 3.43% | 3.15% | -168 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 | 15.70% | 18.86% | 19.50% | 17.78% | 18.41% | 17.09% | 16.20% | 17.42% | -36 bps | |
| Equity / Assets | 7.04% | 10.33% | 10.05% | 10.67% | 11.22% | 10.83% | 9.94% | 10.66% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.13% | 65.53% | 67.74% | 69.57% | 71.39% | 76.96% | 75.85% | 78.97% | +940 bps | |
| Liquid Assets / Assets | 9.24% | 18.46% | 9.58% | 8.26% | 9.74% | 5.60% | 4.24% | 2.16% | -609 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |