Lakewood, WA · Cert 57191
FDIC
Q4 2012
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 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.30% | -0.19% | -0.19% | -0.67% | -0.29% | 0.03% | 0.01% | +20 bps | |
| Return on Equity | 4.03% | 2.69% | -1.69% | -1.73% | -5.93% | -2.51% | 0.22% | 0.06% | +179 bps | |
| Net Interest Margin | 3.84% | 3.99% | 3.94% | 3.92% | 3.90% | 4.03% | 4.00% | 4.16% | +24 bps | |
| Efficiency Ratio | 84.38% | 86.71% | 87.58% | 78.80% | 102.54% | 89.52% | 85.73% | 87.58% | +878 bps | |
| Non-Interest Burden | 3.21% | 3.43% | 3.42% | 3.08% | 4.01% | 3.59% | 3.40% | 3.63% | +55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.01% | 0.67% | 2.37% | -3.94% | -6.89% | -2.61% | -1.28% | -7.63% | -368 bps | |
| Loan Growth (YoY) | -0.13% | -4.93% | -8.13% | -12.62% | -14.58% | -12.22% | -3.34% | -0.74% | +1,188 bps | |
| Deposit Growth (YoY) | 10.59% | 4.89% | 7.38% | -1.88% | -4.91% | -2.67% | -1.53% | -9.18% | -730 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 | 0.00% | 0.53% | 0.63% | 1.74% | 0.59% | 1.70% | 1.04% | 0.81% | -93 bps | |
| Allowance / Loans | 1.94% | 1.87% | 2.21% | 1.75% | 1.89% | 1.53% | 1.51% | 1.63% | -13 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 | 14.60% | 15.03% | 14.95% | 15.25% | 15.10% | 15.23% | 14.52% | 14.90% | -35 bps | |
| Equity / Assets | 10.94% | 11.57% | 11.04% | 11.24% | 11.50% | 11.60% | 11.31% | 12.26% | +103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.92% | 92.44% | 87.81% | 85.49% | 85.26% | 83.37% | 86.19% | 93.43% | +795 bps | |
| Liquid Assets / Assets | 7.86% | 6.01% | 9.97% | 9.56% | 6.31% | 7.82% | 6.77% | 2.16% | -741 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |