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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.30% | -6.41% | -9.09% | -13.69% | -10.79% | -649 bps | |
| Return on Equity | -50.89% | -79.11% | -158.77% | -278% | -238% | -18,736 bps | |
| Net Interest Margin | 4.38% | 5.43% | 3.24% | 4.40% | 5.51% | +113 bps | |
| Efficiency Ratio | 227% | 457% | 844% | 1797% | 806% | +57,843 bps | |
| Non-Interest Burden | 11.02% | 17.38% | 15.28% | 25.09% | 24.74% | +1,372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -32.40% | -49.66% | -66.86% | -73.01% | -73.53% | -4,113 bps | |
| Loan Growth (YoY) | 25.76% | -60.97% | -66.47% | -74.29% | -75.61% | -10,138 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 1.96% | 2.50% | -0.84% | 19.82% | 16.26% | +1,431 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | 4.34% | 1.64% | 1.84% | n/a | |
| Total Risk-Based Capital | 14.54% | 15.40% | 14.36% | 3.47% | 3.38% | -1,116 bps | |
| Equity / Assets | 7.89% | 5.63% | 5.88% | 1.97% | 2.11% | -577 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.78% | 53.76% | 57.54% | 62.49% | 64.62% | -1,016 bps | |
| Liquid Assets / Assets | 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 |