Bellevue, WA · Cert 35566
FDIC · 1 branch
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bellevue, WA · Cert 35566
FDIC · 1 branch
Q2 2016
Market Position · Seattle-Tacoma-Bellevue, WA · 2016 SOD (annual) · 0.4% share · #23 of 55 inst. · $0.4B of $97.6B
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 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.34% | 0.40% | -0.47% | -0.29% | -0.46% | 0.81% | 0.89% | +136 bps | |
| Return on Equity | 4.44% | 3.13% | 3.66% | -4.36% | -2.68% | -4.24% | 7.16% | 7.83% | +1,219 bps | |
| Net Interest Margin | 3.43% | 3.40% | 3.33% | 3.31% | 3.11% | 3.23% | 3.51% | 3.56% | +25 bps | |
| Efficiency Ratio | 81.26% | 81.98% | 83.25% | 84.36% | 88.77% | 103.19% | 70.08% | 65.70% | -1,865 bps | |
| Non-Interest Burden | 2.73% | 2.75% | 2.72% | 2.72% | 2.73% | 3.29% | 2.30% | 2.20% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.98% | 9.12% | 18.02% | 13.48% | 16.91% | 11.61% | -2.31% | 2.20% | -1,128 bps | |
| Loan Growth (YoY) | 1.63% | 0.29% | 0.93% | 2.74% | 3.95% | 1.77% | 5.91% | 3.93% | +119 bps | |
| Deposit Growth (YoY) | 6.97% | 7.34% | 16.96% | 13.62% | 16.65% | 13.54% | -1.87% | 1.64% | -1,197 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% | 0.15% | 0.18% | 2.11% | 1.31% | 0.98% | 0.05% | -0.01% | -213 bps | |
| Allowance / Loans | 1.84% | 1.98% | 1.94% | 1.95% | 1.91% | 2.00% | 1.92% | 1.94% | 0 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 | 10.88% | 10.01% | 9.70% | 9.74% | 10.35% | 10.75% | +74 bps | |
| Total Risk-Based Capital | 13.88% | 14.04% | 14.19% | 13.64% | 13.22% | 13.45% | 13.57% | 14.12% | +48 bps | |
| Equity / Assets | 10.51% | 10.47% | 11.21% | 10.71% | 10.63% | 10.82% | 11.84% | 11.54% | +82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.85% | 82.21% | 74.87% | 74.52% | 72.94% | 73.68% | 80.80% | 76.19% | +168 bps | |
| Liquid Assets / Assets | 7.04% | 8.55% | 13.45% | 9.26% | 9.88% | 9.77% | 2.04% | 7.49% | -177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |