Arlington, WA · Cert 35053
FDIC
Q2 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | -0.60% | 0.35% | -0.20% | -1.43% | -3.22% | -2.58% | -1.85% | -166 bps | |
| Return on Equity | 8.06% | -6.93% | 4.90% | -2.73% | -20.58% | -50.02% | -62.37% | -44.57% | -4,184 bps | |
| Net Interest Margin | 3.49% | 3.14% | 2.48% | 2.31% | 2.20% | 2.09% | 1.69% | 2.02% | -28 bps | |
| Efficiency Ratio | 57.70% | 57.83% | 75.96% | 91.32% | 95.26% | 111.25% | 125.21% | 130.53% | +3,921 bps | |
| Non-Interest Burden | 1.96% | 1.76% | 1.84% | 2.10% | 2.09% | 2.33% | 2.31% | 2.78% | +68 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.94% | 19.96% | 19.90% | 15.23% | 8.10% | -3.37% | -10.56% | -19.59% | -3,482 bps | |
| Loan Growth (YoY) | 27.73% | 19.43% | 10.45% | 3.07% | -5.12% | -15.01% | -23.30% | -27.76% | -3,083 bps | |
| Deposit Growth (YoY) | 27.87% | 22.94% | 22.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.18% | 1.05% | 0.12% | 0.50% | 0.40% | 4.75% | 8.82% | 7.39% | +689 bps | |
| Allowance / Loans | 1.51% | 2.78% | 2.83% | 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 | 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 | 10.99% | 9.76% | 9.92% | 10.43% | 9.49% | 5.59% | 4.47% | 4.28% | -615 bps | |
| Equity / Assets | 8.70% | 7.25% | 7.05% | 7.20% | 6.24% | 4.38% | 3.89% | 4.18% | -301 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.51% | 91.02% | 86.67% | 85.19% | 82.18% | 77.55% | 71.47% | 73.80% | -1,138 bps | |
| Liquid Assets / Assets | 7.66% | 11.01% | 16.10% | 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 | n/a | n/a | n/a |