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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | -0.08% | 0.40% | -1.30% | 0.05% | -0.92% | 0.81% | 0.99% | +229 bps | |
| Return on Equity | 3.44% | -0.74% | 3.66% | -11.83% | 0.49% | -8.62% | 7.16% | 8.46% | +2,029 bps | |
| Net Interest Margin | 3.49% | 3.72% | 3.33% | 3.40% | 3.20% | 3.38% | 3.51% | 3.60% | +19 bps | |
| Efficiency Ratio | 84.79% | 84.13% | 83.25% | 85.38% | 98.64% | 166.16% | 70.08% | 61.09% | -2,429 bps | |
| Non-Interest Burden | 2.93% | 3.15% | 2.72% | 2.83% | 3.14% | 4.81% | 2.30% | 2.10% | -73 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 | -0.32% | 0.59% | 0.18% | 4.05% | -0.15% | -0.12% | 0.05% | -0.08% | -413 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 |