Fife, WA · Cert 34791
FDIC · 1 branch
Q2 2015
Market Position · Seattle-Tacoma-Bellevue, WA · 2015 SOD (annual) · 0.1% share · #40 of 57 inst. · $0.1B of $91.1B
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.15% | 2.13% | 1.94% | 1.96% | 2.22% | +7 bps | |
| Return on Equity | 16.93% | 16.65% | 15.28% | 16.19% | 18.32% | +139 bps | |
| Net Interest Margin | 4.91% | 4.43% | 4.33% | 4.09% | 3.90% | -101 bps | |
| Efficiency Ratio | 58.50% | 58.10% | 57.54% | 55.72% | 56.17% | -233 bps | |
| Non-Interest Burden | 2.74% | 2.44% | 2.36% | 2.12% | 2.05% | -69 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.01% | -1.92% | 1.25% | 6.43% | 5.79% | +1,080 bps | |
| Loan Growth (YoY) | -2.49% | -6.68% | -1.93% | -0.86% | 1.81% | +430 bps | |
| Deposit Growth (YoY) | -4.65% | -0.49% | 3.66% | 9.77% | 10.36% | +1,501 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.11% | 0.73% | -0.18% | -0.68% | -84 bps | |
| Allowance / Loans | 2.13% | 2.17% | 1.71% | 1.80% | 1.80% | -33 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 | 12.19% | 11.93% | n/a | |
| Total Risk-Based Capital | 19.71% | 20.20% | 19.34% | 19.11% | 18.92% | -79 bps | |
| Equity / Assets | 12.83% | 13.07% | 12.26% | 11.91% | 12.18% | -65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.18% | 93.66% | 89.20% | 83.22% | 86.89% | -729 bps | |
| Liquid Assets / Assets | 17.76% | 17.72% | 21.18% | 26.01% | 22.24% | +447 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |