PackageTrendsPeer
Letter portraitLegal landscape

Eastside Commercial Bank, National Association

Bellevue, WA · Cert 57132

FDIC · 1 branch

Q1 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2015, the quarter ended March 31, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eastside Commercial Bank, National Association

Bellevue, WA · Cert 57132

FDIC · 1 branch

Q1 2015

$27.1MAssets
$20.1MLoans
$26.0MDeposits
$933KEquity
Loan mix
82%RE $14.7M17%C&I $3.1M0%Consumer $0.0MQ1 2014Q1 2015
Deposit mix
77%Interest-bearing $20.0M23%Noninterest $6.1MQ1 2014Q1 2015

NIM

3.62%Q1 ’133.40%Q1 ’143.61%Q1 ’15-8%+10%

Non-interest income vs. expense

5.61%Q1 ’1311.56%Q1 ’146.22%Q1 ’15+107%-48%

Market Position · Seattle-Tacoma-Bellevue, WA · 2014 SOD (annual) · 0.0% share · #50 of 58 inst. · $0.0B of $81.3B

Executive Summary

  • Earnings: ROA of -2.79%, up 602 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.24%.
  • Capital: tier 1 leverage ratio of 2.99%.
  • Funding: loans stand at 77.31% of deposits as of Q1 2015.

Financial Results

Return on Assets (YTD, annualized)

-2.79%+602 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+28 bps YoY

Efficiency Ratio (YTD, annualized)

180.16%-19,670 bps YoY

Tier 1 Leverage Ratio

2.99%

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015YoY ΔTrend
Earnings
Return on Assets-8.82%-8.24%-6.83%-5.49%-2.79%+602 bps
Return on Equity-177.38%-199.02%-195.00%-156.32%-79.54%+9,785 bps
Net Interest Margin2.80%3.08%3.14%3.26%3.08%+28 bps
Efficiency Ratio377%286%264%213%180.16%-19,670 bps
Non-Interest Burden11.30%11.46%10.43%9.35%5.84%-546 bps
Growth
Asset Growth (YoY)-10.61%-16.72%-14.93%-24.48%-30.93%-2,032 bps
Loan Growth (YoY)-0.28%-25.18%-26.71%-26.85%-26.51%-2,623 bps
Deposit Growth (YoY)-7.59%-13.72%-10.76%-22.57%-30.60%-2,301 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.54%-0.41%-0.36%-0.29%-0.24%+30 bps
Allowance / Loans3.92%4.55%4.98%5.13%5.51%+159 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/a2.99%n/an/a
Total Risk-Based Capital6.97%4.89%3.60%6.88%6.04%-93 bps
Equity / Assets4.02%2.31%1.39%3.57%3.44%-58 bps
Liquidity & Funding
Loans / Deposits73.01%66.70%62.37%69.94%77.31%+430 bps
Liquid Assets / Assets23.24%29.72%33.04%30.96%24.08%+84 bps
CRE / Total Capitaln/an/an/an/an/an/an/a