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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 1.15% | 0.70% | 0.96% | 0.43% | 1.00% | 1.24% | -1.80% | -276 bps | |
| Return on Equity | 5.63% | 8.26% | 5.13% | 7.12% | 3.10% | 7.40% | 9.37% | -13.39% | -2,051 bps | |
| Net Interest Margin | 3.82% | 4.09% | 3.86% | 3.79% | 3.89% | 3.97% | 4.00% | 4.21% | +42 bps | |
| Efficiency Ratio | 70.10% | 61.92% | 68.92% | 63.68% | 72.70% | 69.59% | 63.87% | 152.86% | +8,918 bps | |
| Non-Interest Burden | 2.56% | 2.38% | 2.55% | 2.35% | 2.75% | 2.66% | 2.35% | 6.55% | +420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.42% | -0.66% | 5.15% | 5.52% | 3.70% | 13.14% | 1.71% | 3.94% | -159 bps | |
| Loan Growth (YoY) | 17.29% | 10.63% | 6.81% | 2.87% | -0.84% | -2.04% | 4.65% | 5.07% | +220 bps | |
| Deposit Growth (YoY) | 2.80% | 0.19% | 6.63% | 5.67% | 3.46% | 14.87% | 1.20% | 3.85% | -182 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.24% | 0.70% | 0.78% | 0.10% | 0.10% | 0.11% | 0.13% | -65 bps | |
| Net Charge-Offs / Loans | 0.13% | -0.04% | 0.88% | 0.37% | -0.79% | -0.08% | -0.09% | -0.09% | -46 bps | |
| Allowance / Loans | 1.58% | 1.59% | 1.53% | 1.46% | 1.59% | 1.64% | 1.61% | 1.65% | +19 bps | |
| Allowance Coverage of NPLs | n/a | 6.6x | 2.2x | 1.9x | 15.7x | 16.1x | 15.2x | 13.0x | +11.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.33% | 13.63% | 13.31% | 13.44% | 13.74% | 14.21% | 13.85% | 13.60% | +16 bps | |
| Total Risk-Based Capital | 17.63% | 17.93% | 18.45% | 18.51% | 17.93% | 18.91% | 18.84% | 18.46% | -5 bps | |
| Equity / Assets | 13.83% | 14.07% | 13.18% | 13.90% | 14.03% | 12.93% | 13.57% | 13.33% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.26% | 88.06% | 77.62% | 80.53% | 84.60% | 75.10% | 80.26% | 81.48% | +94 bps | |
| Liquid Assets / Assets | 4.44% | 4.29% | 3.70% | 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 | n/a | n/a | n/a |