Vancouver, WA · Cert 34959
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.38% | 1.55% | 0.77% | 0.32% | 0.66% | 0.00% | -22.15% | -2,292 bps | |
| Return on Equity | 17.26% | 14.24% | 16.01% | 7.91% | 3.31% | 6.85% | 0.00% | -314% | -32,190 bps | |
| Net Interest Margin | 5.17% | 5.15% | 5.07% | 4.77% | 4.13% | 3.78% | 3.55% | 1.99% | -278 bps | |
| Efficiency Ratio | 52.91% | 49.36% | 53.56% | 52.28% | 56.67% | 69.08% | 72.48% | 159.55% | +10,727 bps | |
| Non-Interest Burden | 2.55% | 2.38% | 2.44% | 2.43% | 2.26% | 2.57% | 2.53% | 3.32% | +90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.45% | 25.33% | 23.68% | 22.81% | 23.92% | 24.55% | 21.87% | 9.32% | -1,349 bps | |
| Loan Growth (YoY) | 24.59% | 30.41% | 30.92% | 30.36% | 28.47% | 24.77% | 19.02% | 3.97% | -2,639 bps | |
| Deposit Growth (YoY) | 10.99% | 25.89% | 22.67% | 22.31% | 17.73% | 15.68% | 14.03% | 16.10% | -621 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 | 0.10% | 0.65% | -0.06% | 0.64% | 0.00% | 0.64% | 0.97% | 24.77% | +2,413 bps | |
| Allowance / Loans | 1.29% | 1.18% | 1.17% | 1.23% | 1.49% | 1.29% | 1.30% | 2.07% | +84 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 | 10.32% | 10.17% | 10.20% | 10.51% | 10.18% | 10.77% | 11.02% | 5.72% | -479 bps | |
| Equity / Assets | 9.68% | 9.69% | 9.71% | 9.83% | 9.39% | 9.87% | 9.59% | 4.38% | -545 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.20% | 107.46% | 110.23% | 119.22% | 119.16% | 115.90% | 115.06% | 106.77% | -1,245 bps | |
| Liquid Assets / Assets | 0.04% | 0.06% | 0.01% | 0.01% | 0.01% | 0.04% | 1.12% | 1.71% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |