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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.47% | 1.86% | 2.14% | 2.17% | 2.09% | 1.41% | 1.96% | 2.46% | +29 bps | |
| Return on Equity | 19.91% | 15.03% | 16.86% | 16.79% | 16.13% | 11.14% | 16.19% | 20.44% | +365 bps | |
| Net Interest Margin | 4.98% | 4.88% | 4.78% | 4.98% | 3.46% | 4.40% | 4.09% | 3.82% | -117 bps | |
| Efficiency Ratio | 53.55% | 62.06% | 57.31% | 59.62% | 57.01% | 55.85% | 55.72% | 56.64% | -298 bps | |
| Non-Interest Burden | 2.49% | 2.88% | 2.63% | 2.81% | 1.84% | 2.33% | 2.12% | 2.03% | -77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.02% | -0.25% | -3.48% | -5.01% | -1.92% | 1.25% | 6.43% | 5.79% | +1,080 bps | |
| Loan Growth (YoY) | 3.57% | 4.69% | -2.03% | -2.49% | -6.68% | -1.93% | -0.86% | 1.81% | +430 bps | |
| Deposit Growth (YoY) | -2.00% | 1.45% | -3.05% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.19% | -0.25% | 0.18% | 0.14% | 0.00% | 2.58% | -0.18% | -1.19% | -134 bps | |
| Allowance / Loans | 1.99% | 2.16% | 2.20% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 12.19% | 11.93% | n/a | |
| Total Risk-Based Capital | 17.26% | 19.38% | 20.42% | 19.71% | 20.20% | 19.34% | 19.11% | 18.92% | -79 bps | |
| Equity / Assets | 12.43% | 12.31% | 13.05% | 12.83% | 13.07% | 12.26% | 11.91% | 12.18% | -65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.87% | 94.29% | 92.14% | 94.18% | 93.66% | 89.20% | 83.22% | 86.89% | -729 bps | |
| Liquid Assets / Assets | 14.40% | 17.86% | 19.16% | 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 | n/a | n/a | n/a |