Longview, WA · Cert 35156
FDIC · 1 branch
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Longview, WA · Cert 35156
FDIC · 1 branch
Q3 2015
Market Position · Longview, WA · 2015 SOD (annual) · 0.8% share · #9 of 9 inst. · $4.7M of $590.3M
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -14.94% | -2.41% | -1.93% | -4.30% | -6.41% | -9.09% | -13.69% | -10.79% | -649 bps | |
| Return on Equity | -95.16% | -27.84% | -22.50% | -50.89% | -79.11% | -158.77% | -278% | -238% | -18,736 bps | |
| Net Interest Margin | 2.67% | 5.18% | 4.53% | 4.38% | 5.43% | 3.24% | 4.40% | 5.51% | +113 bps | |
| Efficiency Ratio | 478% | 127.46% | 166.32% | 227% | 457% | 844% | 1797% | 806% | +57,843 bps | |
| Non-Interest Burden | 17.30% | 7.60% | 9.21% | 11.02% | 17.38% | 15.28% | 25.09% | 24.74% | +1,372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.21% | 1.57% | -14.51% | -32.40% | -49.66% | -66.86% | -73.01% | -73.53% | -4,113 bps | |
| Loan Growth (YoY) | 92.44% | 19.01% | 20.34% | 25.76% | -60.97% | -66.47% | -74.29% | -75.61% | -10,138 bps | |
| Deposit Growth (YoY) | 50.82% | 15.18% | -8.47% | -29.91% | -48.25% | -65.89% | -71.71% | -71.78% | -4,187 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 | 0.32% | -1.12% | -0.56% | 1.96% | 2.50% | -0.84% | 19.82% | 16.26% | +1,431 bps | |
| Allowance / Loans | 4.66% | 6.10% | 6.07% | 5.31% | 6.74% | 7.84% | 0.00% | 0.00% | -531 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 | 4.34% | 1.64% | 1.84% | n/a | |
| Total Risk-Based Capital | 19.01% | 16.98% | 15.74% | 14.54% | 15.40% | 14.36% | 3.47% | 3.38% | -1,116 bps | |
| Equity / Assets | 8.75% | 8.54% | 8.45% | 7.89% | 5.63% | 5.88% | 1.97% | 2.11% | -577 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.28% | 58.55% | 68.76% | 74.78% | 53.76% | 57.54% | 62.49% | 64.62% | -1,016 bps | |
| Liquid Assets / Assets | 27.52% | 39.42% | 35.91% | 31.97% | 49.31% | 45.38% | 35.42% | 31.97% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |