Seattle, WA · Cert 57236
FDIC · 1 branch
Q3 2014
Market Position · Seattle-Tacoma-Bellevue, WA · 2014 SOD (annual) · 0.1% share · #38 of 58 inst. · $0.1B 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.76% | -2.76% | 0.03% | 0.68% | 0.34% | +310 bps | |
| Return on Equity | -21.30% | -22.13% | 0.29% | 6.12% | 3.05% | +2,435 bps | |
| Net Interest Margin | 3.49% | 3.37% | 3.44% | 3.42% | 3.56% | +6 bps | |
| Efficiency Ratio | 115.70% | 123.22% | 99.20% | 86.61% | 93.13% | -2,257 bps | |
| Non-Interest Burden | 4.09% | 4.24% | 3.40% | 2.78% | 3.23% | -87 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.74% | 5.37% | 2.22% | -2.36% | -6.94% | -1,068 bps | |
| Loan Growth (YoY) | 12.66% | 4.46% | -4.59% | -5.54% | -2.87% | -1,552 bps | |
| Deposit Growth (YoY) | 5.25% | 9.47% | 5.96% | -1.04% | -7.47% | -1,272 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.45% | 2.69% | -0.21% | -0.14% | -0.09% | -253 bps | |
| Allowance / Loans | 2.52% | 2.28% | 2.39% | 2.30% | 2.28% | -23 bps | |
| 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 | 15.99% | 15.88% | 16.17% | 15.71% | 15.77% | -22 bps | |
| Equity / Assets | 11.20% | 10.62% | 11.11% | 11.54% | 11.79% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.88% | 84.01% | 85.99% | 90.75% | 94.35% | +447 bps | |
| Liquid Assets / Assets | 11.93% | 15.87% | 14.51% | 10.57% | 8.51% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |