Arlington, WA · Cert 35053
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.73% | -3.88% | -8.71% | -2.58% | -1.04% | -30 bps | |
| Return on Equity | -10.28% | -57.76% | -163.07% | -62.37% | -25.70% | -1,542 bps | |
| Net Interest Margin | 2.16% | 1.88% | 1.53% | 1.69% | 2.20% | +4 bps | |
| Efficiency Ratio | 110.47% | 104.84% | 179.11% | 125.21% | 136.61% | +2,614 bps | |
| Non-Interest Burden | 2.38% | 1.98% | 2.86% | 2.31% | 3.05% | +67 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.23% | 8.10% | -3.37% | -10.56% | -19.59% | -3,482 bps | |
| Loan Growth (YoY) | 3.07% | -5.12% | -15.01% | -23.30% | -27.76% | -3,083 bps | |
| Deposit Growth (YoY) | 17.79% | 11.42% | -0.23% | -6.98% | -16.62% | -3,441 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.87% | 0.17% | 17.68% | 8.82% | 5.09% | +422 bps | |
| Allowance / Loans | 2.97% | 4.89% | 5.22% | 4.83% | 4.31% | +134 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 | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.43% | 9.49% | 5.59% | 4.47% | 4.28% | -615 bps | |
| Equity / Assets | 7.20% | 6.24% | 4.38% | 3.89% | 4.18% | -301 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.19% | 82.18% | 77.55% | 71.47% | 73.80% | -1,138 bps | |
| Liquid Assets / Assets | 16.14% | 18.41% | 20.22% | 20.76% | 8.79% | -735 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |