Seattle, WA · Cert 57246
FDIC
Q4 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Seattle, WA · Cert 57246
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.39% | -5.10% | -3.60% | -2.82% | -2.53% | -114 bps | |
| Return on Equity | -11.64% | -41.48% | -29.66% | -23.12% | -20.53% | -888 bps | |
| Net Interest Margin | 3.52% | 3.87% | 3.89% | 3.87% | 4.01% | +49 bps | |
| Efficiency Ratio | 60.43% | 86.16% | 97.25% | 98.72% | 101.03% | +4,060 bps | |
| Non-Interest Burden | 1.24% | 3.25% | 3.77% | 3.81% | 4.06% | +282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -19.16% | -24.77% | -23.49% | -20.70% | -20.62% | -147 bps | |
| Loan Growth (YoY) | -18.69% | -18.35% | -24.36% | -17.51% | -22.04% | -334 bps | |
| Deposit Growth (YoY) | -11.32% | -19.44% | -19.09% | -21.44% | -21.10% | -978 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.88% | 6.62% | 5.19% | 4.40% | 4.20% | -167 bps | |
| Allowance / Loans | 3.04% | 3.15% | 3.28% | 3.21% | 3.31% | +27 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 | 15.93% | 14.62% | 15.32% | 15.52% | 16.67% | +74 bps | |
| Equity / Assets | 12.48% | 12.08% | 11.86% | 12.28% | 12.88% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 102.52% | 111.30% | 103.97% | 105.96% | 101.30% | -122 bps | |
| Liquid Assets / Assets | 12.67% | 7.44% | 13.95% | 12.14% | 14.38% | +171 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |