Concrete, WA · Cert 513
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Concrete, WA · Cert 513
FDIC
Q1 2011
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.26% | -0.22% | 0.23% | -3.35% | -5.66% | -5.68% | -9.67% | -989 bps | |
| Return on Equity | 2.55% | -2.68% | -2.38% | 2.44% | -38.23% | -71.56% | -78.80% | -313% | -31,556 bps | |
| Net Interest Margin | 3.76% | 3.86% | 3.89% | 4.46% | 4.32% | 4.24% | 4.24% | 3.89% | -57 bps | |
| Efficiency Ratio | 79.28% | 76.29% | 81.71% | 63.72% | 74.52% | 92.83% | 96.85% | 118.22% | +5,450 bps | |
| Non-Interest Burden | 2.93% | 2.89% | 3.19% | 2.83% | 3.31% | 4.06% | 4.61% | 4.46% | +162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.24% | 17.89% | 17.85% | 11.93% | 11.15% | 9.25% | -2.80% | -7.19% | -1,911 bps | |
| Loan Growth (YoY) | 15.59% | 13.21% | 9.85% | 6.09% | 1.02% | 0.74% | -6.98% | -11.43% | -1,752 bps | |
| Deposit Growth (YoY) | 24.85% | 22.96% | 19.41% | 10.29% | 13.29% | 12.78% | 2.32% | 0.96% | -933 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 | 0.50% | 1.29% | 1.25% | 0.88% | 3.25% | 3.14% | 5.34% | 13.12% | +1,225 bps | |
| Allowance / Loans | 1.07% | 1.12% | 1.12% | 1.30% | 2.20% | 4.48% | 3.10% | 2.99% | +169 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 | 11.76% | 11.26% | 10.57% | 11.79% | 9.95% | 7.13% | 5.99% | 3.34% | -845 bps | |
| Equity / Assets | 9.77% | 9.36% | 8.83% | 9.71% | 7.82% | 5.37% | 4.24% | 1.90% | -780 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.25% | 98.04% | 95.62% | 94.41% | 90.29% | 87.57% | 86.93% | 82.82% | -1,159 bps | |
| Liquid Assets / Assets | 6.33% | 5.48% | 8.87% | 10.77% | 13.60% | 15.37% | 13.34% | 14.56% | +378 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |