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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.28% | -5.33% | -0.62% | -8.82% | -7.65% | -3.84% | -0.83% | -2.79% | +602 bps | |
| Return on Equity | -82.96% | -91.61% | -10.41% | -177.38% | -240% | -207% | -34.17% | -79.54% | +9,785 bps | |
| Net Interest Margin | 3.38% | 3.34% | 3.42% | 2.80% | 3.11% | 2.80% | 2.87% | 3.08% | +28 bps | |
| Efficiency Ratio | 250% | 259% | 94.98% | 377% | 232% | 205% | 111.69% | 180.16% | -19,670 bps | |
| Non-Interest Burden | 8.68% | 8.76% | 3.11% | 11.30% | 10.60% | 6.67% | 3.70% | 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 | 1.81% | -0.24% | -0.38% | -0.54% | -0.20% | -0.18% | -0.04% | -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 |