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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.50%1 | -0.07% | -2.96% | -5.16% | -2.75% | 0.03% | 1.35% | -0.35% | +481 bps | |
| Return on Equity | 3.84% | -0.53% | -22.13% | -43.23% | -25.22% | 0.29% | 11.89% | -3.02% | +4,021 bps | |
| Net Interest Margin | 3.52% | 3.17% | 4.09% | 3.56% | 2.92% | 3.44% | 3.43% | 3.57% | +2 bps | |
| Efficiency Ratio | 118.55% | 119.75% | 94.75% | 134.07% | 148.67% | 99.20% | 77.94% | 107.76% | -2,631 bps | |
| Non-Interest Burden | 4.32% | 3.90% | 3.86% | 4.89% | 4.58% | 3.40% | 2.17% | 3.92% | -97 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.35% | 2.82% | -3.25% | 3.74% | 5.37% | 2.22% | -2.36% | -6.94% | -1,068 bps | |
| Loan Growth (YoY) | 5.56% | 5.19% | 14.80% | 12.66% | 4.46% | -4.59% | -5.54% | -2.87% | -1,552 bps | |
| Deposit Growth (YoY) | -12.79% | -5.58% | -8.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.01% | -2.69% | 5.57% | 4.25% | 3.00% | -0.21% | -0.09% | 0.03% | -423 bps | |
| Allowance / Loans | 2.64% | 2.94% | 2.34% | 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 | 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 | 19.48% | 18.96% | 17.14% | 15.99% | 15.88% | 16.17% | 15.71% | 15.77% | -22 bps | |
| Equity / Assets | 13.94% | 14.14% | 12.68% | 11.20% | 10.62% | 11.11% | 11.54% | 11.79% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.04% | 95.50% | 95.08% | 89.88% | 84.01% | 85.99% | 90.75% | 94.35% | +447 bps | |
| Liquid Assets / Assets | 13.65% | 10.91% | 9.90% | 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 | n/a | n/a | n/a |