Seattle, WA · Cert 34893
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.29% | 1.29% | 1.27% | 1.35% | 1.39% | 0.88% | 1.23% | 1.28% | -7 bps | |
| Return on Equity | 10.67% | 11.90% | 12.10% | 12.88% | 13.35% | 8.30% | 10.82% | 11.06% | -182 bps | |
| Net Interest Margin | 4.66% | 4.61% | 4.32% | 4.03% | 4.41% | 4.12% | 4.27% | 4.11% | +8 bps | |
| Efficiency Ratio | 53.74% | 53.51% | 46.92% | 45.06% | 44.98% | 58.03% | 50.41% | 46.46% | +140 bps | |
| Non-Interest Burden | 2.23% | 2.28% | 1.81% | 1.57% | 1.82% | 2.34% | 2.11% | 1.86% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 26.37% | 48.92% | 48.28% | 39.20% | 23.91% | 5.80% | -0.52% | 2.26% | -3,694 bps | |
| Loan Growth (YoY) | 33.98% | 48.19% | 39.95% | 37.04% | 28.12% | 18.52% | 19.26% | 21.11% | -1,593 bps | |
| Deposit Growth (YoY) | 25.65% | 48.75% | 55.12% | 42.93% | 16.15% | -2.45% | -9.38% | -2.41% | -4,534 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 | 1.15% | 0.03% | 0.87% | -0.09% | 0.07% | 0.00% | 0.00% | 0.68% | +77 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.11% | 1.19% | 1.21% | 1.27% | 1.36% | 1.13% | -6 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 | 14.46% | 13.91% | 14.95% | 14.46% | 14.00% | 14.11% | 14.43% | 13.68% | -78 bps | |
| Equity / Assets | 11.31% | 10.40% | 10.52% | 10.44% | 10.33% | 10.95% | 11.88% | 11.31% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.73% | 87.96% | 83.11% | 87.35% | 96.77% | 106.87% | 109.37% | 108.40% | +2,105 bps | |
| Liquid Assets / Assets | 5.36% | 7.33% | 8.99% | 8.28% | 10.25% | 6.22% | 1.56% | 1.26% | -702 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |