Bellevue, WA · Cert 57132
FDIC · 1 branch
Q1 2015
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bellevue, WA · Cert 57132
FDIC · 1 branch
Q1 2015
Market Position · Seattle-Tacoma-Bellevue, WA · 2014 SOD (annual) · 0.0% share · #50 of 58 inst. · $0.0B of $81.3B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.83% | -4.33% | -3.43% | -8.82% | -8.24% | -6.83% | -5.49% | -2.79% | +602 bps | |
| Return on Equity | -57.08% | -66.34% | -53.50% | -177.38% | -199.02% | -195.00% | -156.32% | -79.54% | +9,785 bps | |
| Net Interest Margin | 3.26% | 3.35% | 3.37% | 2.80% | 3.08% | 3.14% | 3.26% | 3.08% | +28 bps | |
| Efficiency Ratio | 214% | 229% | 179.00% | 377% | 286% | 264% | 213% | 180.16% | -19,670 bps | |
| Non-Interest Burden | 7.16% | 7.84% | 6.65% | 11.30% | 11.46% | 10.43% | 9.35% | 5.84% | -546 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.16% | -12.50% | -7.10% | -10.61% | -16.72% | -14.93% | -24.48% | -30.93% | -2,032 bps | |
| Loan Growth (YoY) | 12.59% | 6.72% | 1.34% | -0.28% | -25.18% | -26.71% | -26.85% | -26.51% | -2,623 bps | |
| Deposit Growth (YoY) | -6.09% | -11.21% | -5.65% | -7.59% | -13.72% | -10.76% | -22.57% | -30.60% | -2,301 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 | 2.04% | 1.36% | 0.95% | -0.54% | -0.41% | -0.36% | -0.29% | -0.24% | +30 bps | |
| Allowance / Loans | 3.11% | 3.36% | 3.55% | 3.92% | 4.55% | 4.98% | 5.13% | 5.51% | +159 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 | 2.99% | n/a | n/a |
| Total Risk-Based Capital | 8.40% | 9.29% | 9.46% | 6.97% | 4.89% | 3.60% | 6.88% | 6.04% | -93 bps | |
| Equity / Assets | 5.68% | 5.97% | 5.86% | 4.02% | 2.31% | 1.39% | 3.57% | 3.44% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.91% | 75.94% | 74.03% | 73.01% | 66.70% | 62.37% | 69.94% | 77.31% | +430 bps | |
| Liquid Assets / Assets | 15.89% | 18.09% | 22.59% | 23.24% | 29.72% | 33.04% | 30.96% | 24.08% | +84 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |