Vancouver, WA · Cert 34960
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.64% | 0.10% | 0.28% | -4.30% | -1.53% | 0.39% | -3.38% | -366 bps | |
| Return on Equity | 11.29% | 8.76% | 1.27% | 3.11% | -49.12% | -20.05% | 5.37% | -47.81% | -5,092 bps | |
| Net Interest Margin | 3.55% | 3.55% | 3.59% | 3.93% | 3.86% | 3.62% | 3.13% | 3.45% | -47 bps | |
| Efficiency Ratio | 76.25% | 76.16% | 84.10% | 76.56% | 78.11% | 73.61% | 85.10% | 158.76% | +8,220 bps | |
| Non-Interest Burden | 2.68% | 2.67% | 2.98% | 2.95% | 2.96% | 2.52% | 2.63% | 5.60% | +265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 117.02% | 96.28% | 108.09% | 124.42% | 67.77% | 50.61% | 28.51% | 4.59% | -11,983 bps | |
| Loan Growth (YoY) | 126.58% | 100.46% | 126.13% | 120.96% | 80.08% | 45.46% | 20.94% | 1.00% | -11,996 bps | |
| Deposit Growth (YoY) | 131.84% | 107.06% | 116.90% | 135.17% | 73.33% | 52.10% | 31.68% | 7.97% | -12,720 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 | 0.00% | 0.04% | 0.23% | 0.08% | 4.37% | 0.00% | 3.94% | 1.21% | +113 bps | |
| Allowance / Loans | 1.01% | 1.30% | 1.20% | 1.17% | 2.27% | 3.21% | 2.36% | 3.16% | +199 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 | 9.49% | 8.70% | 10.89% | 11.68% | 9.91% | 9.06% | 9.69% | 8.26% | -342 bps | |
| Equity / Assets | 8.14% | 6.60% | 8.51% | 9.24% | 8.27% | 7.09% | 7.35% | 6.79% | -245 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.20% | 88.00% | 89.71% | 89.18% | 94.76% | 84.16% | 82.39% | 83.42% | -576 bps | |
| Liquid Assets / Assets | 4.35% | 8.42% | 4.27% | 3.44% | 3.78% | 0.00% | 6.13% | 10.36% | +692 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |