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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.16% | -2.41% | -1.37% | -10.20% | -15.84% | -9.09% | -21.33% | -1.56% | +864 bps | |
| Return on Equity | -91.69% | -27.84% | -16.11% | -124.30% | -230% | -158.77% | -499% | -76.84% | +4,746 bps | |
| Net Interest Margin | 3.15% | 5.18% | 3.14% | 3.21% | 3.80% | 3.24% | 3.52% | 4.59% | +138 bps | |
| Efficiency Ratio | 333% | 127.46% | 265% | 5288% | 457% | 844% | 1797% | 132.08% | -515,542 bps | |
| Non-Interest Burden | 12.48% | 7.60% | 9.72% | 12.87% | 24.49% | 15.28% | 25.26% | 6.15% | -671 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 | 0.00% | -1.12% | 0.00% | 7.17% | -0.36% | -0.84% | 40.72% | 0.00% | -717 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 |