Seattle, WA · Cert 57246
FDIC
Q4 2012
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.11% | 0.76% | -6.61% | -5.10% | -2.07% | -1.12% | -1.53% | +508 bps | |
| Return on Equity | -1.49% | -0.99% | 6.13% | -51.58% | -41.48% | -17.25% | -9.30% | -12.17% | +3,941 bps | |
| Net Interest Margin | 3.16% | 3.28% | 3.03% | 3.25% | 3.87% | 3.73% | 3.55% | 3.57% | +32 bps | |
| Efficiency Ratio | 55.22% | 49.95% | 52.00% | 96.43% | 86.16% | 109.27% | 102.03% | 109.49% | +1,306 bps | |
| Non-Interest Burden | 0.88% | 0.52% | 0.21% | 3.10% | 3.25% | 4.13% | 3.63% | 3.95% | +85 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.94% | -6.68% | -18.85% | -19.16% | -24.77% | -23.49% | -20.70% | -20.62% | -147 bps | |
| Loan Growth (YoY) | -8.28% | -7.34% | -17.58% | -18.69% | -18.35% | -24.36% | -17.51% | -22.04% | -334 bps | |
| Deposit Growth (YoY) | -1.06% | -0.59% | -12.60% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 5.30% | 5.15% | 3.24% | 7.57% | 6.62% | 3.12% | 2.28% | 2.29% | -527 bps | |
| Allowance / Loans | 3.04% | 2.63% | 2.80% | 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 | 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 | 14.67% | 14.61% | 16.72% | 15.93% | 14.62% | 15.32% | 15.52% | 16.67% | +74 bps | |
| Equity / Assets | 11.16% | 11.68% | 13.11% | 12.48% | 12.08% | 11.86% | 12.28% | 12.88% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.81% | 111.21% | 100.90% | 102.52% | 111.30% | 103.97% | 105.96% | 101.30% | -122 bps | |
| Liquid Assets / Assets | 11.63% | 10.64% | 12.91% | 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 | n/a | n/a | n/a |