Seattle, WA · Cert 57204
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.67% | 2.31% | -2.08% | 0.10% | -3.16% | -883 bps | |
| Return on Equity | 6.57% | 2.62% | -2.43% | 0.11% | -3.42% | -999 bps | |
| Net Interest Margin | 1.58% | 1.80% | 1.22% | 1.05% | 1.40% | -18 bps | |
| Efficiency Ratio | 80.92% | 81.87% | 108.60% | 99.58% | 111.01% | +3,009 bps | |
| Non-Interest Burden | -5.18% | -5.61% | 4.79% | 0.88% | 6.99% | +1,217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.99% | -10.99% | 5.68% | -5.18% | -7.59% | +140 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 126.72% | 164.95% | 179.49% | 162.38% | 135.74% | +902 bps | |
| Equity / Assets | 88.94% | 86.99% | 84.82% | 89.78% | 95.50% | +656 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 36.49% | 69.00% | 74.07% | 81.03% | 73.15% | +3,666 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |