Fife, WA · Cert 38129
FDIC
Q4 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.61% | -0.02% | -1.61% | -2.12% | -1.95% | -7.00% | -8.61% | -699 bps | |
| Return on Equity | 7.49% | 6.58% | -0.19% | -21.33% | -54.13% | -45.56% | -192.68% | -318% | -29,684 bps | |
| Net Interest Margin | 3.03% | 2.97% | 2.95% | 2.96% | 2.64% | 2.58% | 2.59% | 2.80% | -17 bps | |
| Efficiency Ratio | 70.58% | 72.13% | 74.18% | 77.33% | 62.76% | 76.22% | 82.46% | 88.72% | +1,139 bps | |
| Non-Interest Burden | 1.83% | 1.87% | 1.95% | 2.08% | 0.76% | 1.55% | 1.88% | 2.36% | +28 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.94% | -3.65% | -4.64% | -3.56% | -2.37% | -5.62% | -9.07% | -15.22% | -1,166 bps | |
| Loan Growth (YoY) | 2.68% | 2.56% | 4.88% | 5.54% | -2.34% | -7.25% | -12.07% | -16.09% | -2,162 bps | |
| Deposit Growth (YoY) | 0.45% | 0.27% | 1.12% | 12.07% | 7.88% | 5.45% | -0.85% | -14.69% | -2,676 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 | 0.15% | 0.15% | 0.17% | 0.26% | 4.48% | 2.57% | 3.57% | 3.16% | +290 bps | |
| Allowance / Loans | 1.22% | 1.25% | 2.10% | 1.98% | 1.32% | 1.90% | 1.66% | 1.81% | -18 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 | 12.84% | 12.61% | 12.17% | 8.83% | 7.45% | 7.43% | 3.79% | 2.80% | -604 bps | |
| Equity / Assets | 9.43% | 8.44% | 6.61% | 3.37% | 4.47% | 4.99% | 1.53% | -1.54% | -492 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 137.32% | 141.54% | 140.54% | 128.54% | 124.31% | 124.49% | 124.64% | 126.43% | -210 bps | |
| Liquid Assets / Assets | 5.41% | 4.42% | 4.35% | 7.49% | 11.27% | 9.36% | 8.99% | 8.80% | +131 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |