Shoreline, WA · Cert 35250
FDIC
Q3 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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.85% | -2.55% | -7.62% | -6.60% | -7.70% | -4.01% | -6.06% | -5.14% | +146 bps | |
| Return on Equity | -26.27% | -26.90% | -86.27% | -79.28% | -101.65% | -100.98% | -185.36% | -182.19% | -10,291 bps | |
| Net Interest Margin | 3.70% | 3.05% | 3.02% | 2.91% | 2.92% | 2.69% | 2.71% | 2.97% | +6 bps | |
| Efficiency Ratio | 98.11% | 119.56% | 127.31% | 134.35% | 148.28% | 850% | 422% | 309% | +17,428 bps | |
| Non-Interest Burden | 3.63% | 3.67% | 3.88% | 3.95% | 4.35% | 6.71% | 6.35% | 6.71% | +276 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.66% | 4.64% | 1.83% | -4.48% | -8.30% | -18.02% | -21.45% | -27.02% | -2,254 bps | |
| Loan Growth (YoY) | 1.73% | 0.19% | -8.33% | -15.42% | -26.24% | -31.84% | -28.78% | -31.92% | -1,650 bps | |
| Deposit Growth (YoY) | 13.13% | 8.48% | 6.34% | 1.98% | 0.92% | -7.92% | -12.72% | -20.19% | -2,217 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 | 1.38% | 0.50% | 8.23% | 6.49% | 9.69% | 7.78% | 5.16% | 4.06% | -243 bps | |
| Allowance / Loans | 4.05% | 4.55% | 4.65% | 5.66% | 5.75% | 4.35% | 5.86% | 6.35% | +70 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 | 10.64% | 13.01% | 10.53% | 9.74% | 7.00% | 5.81% | 3.41% | 2.60% | -714 bps | |
| Equity / Assets | 8.75% | 10.19% | 7.53% | 6.74% | 4.30% | 3.63% | 1.72% | 1.22% | -553 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.54% | 98.97% | 89.45% | 84.89% | 74.22% | 73.26% | 72.99% | 72.42% | -1,248 bps | |
| Liquid Assets / Assets | 3.43% | 9.72% | 11.73% | 13.54% | 15.64% | 12.50% | 11.61% | 8.84% | -471 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |