Olympia, WA · Cert 35355
FDIC · 2 branches
Q3 2018
Market Position · Olympia-Tumwater, WA · 2018 SOD (annual) · 3.9% share · #10 of 18 inst. · $0.2B of $3.9B
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 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.81% | 1.00% | 1.13% | 0.15% | -79 bps | |
| Return on Equity | 6.83% | 5.89% | 7.40% | 8.38% | 1.14% | -570 bps | |
| Net Interest Margin | 3.84% | 3.88% | 3.97% | 3.89% | 4.03% | +19 bps | |
| Efficiency Ratio | 64.83% | 66.80% | 69.59% | 66.57% | 95.70% | +3,087 bps | |
| Non-Interest Burden | 2.39% | 2.50% | 2.66% | 2.44% | 3.83% | +145 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.52% | 3.70% | 13.14% | 1.71% | 3.94% | -159 bps | |
| Loan Growth (YoY) | 2.87% | -0.84% | -2.04% | 4.65% | 5.07% | +220 bps | |
| Deposit Growth (YoY) | 5.67% | 3.46% | 14.87% | 1.20% | 3.85% | -182 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.78% | 0.10% | 0.10% | 0.11% | 0.13% | -65 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.09% | -0.08% | -0.09% | -0.09% | -49 bps | |
| Allowance / Loans | 1.46% | 1.59% | 1.64% | 1.61% | 1.65% | +19 bps | |
| Allowance Coverage of NPLs | 1.9x | 15.7x | 16.1x | 15.2x | 13.0x | +11.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.44% | 13.74% | 14.21% | 13.85% | 13.60% | +16 bps | |
| Total Risk-Based Capital | 18.51% | 17.93% | 18.91% | 18.84% | 18.46% | -5 bps | |
| Equity / Assets | 13.90% | 14.03% | 12.93% | 13.57% | 13.33% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.53% | 84.60% | 75.10% | 80.26% | 81.48% | +94 bps | |
| Liquid Assets / Assets | 4.17% | 4.40% | 4.07% | 3.83% | 3.53% | -64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |