Olympia, WA · Cert 57862
FDIC · 1 branch
Q3 2016
Market Position · Olympia-Tumwater, WA · 2016 SOD (annual) · 3.4% share · #12 of 18 inst. · $0.1B of $3.3B
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.42% | 0.65% | 0.68% | 0.71% | +27 bps | |
| Return on Equity | 4.59% | 4.41% | 6.93% | 7.25% | 7.45% | +286 bps | |
| Net Interest Margin | 2.76% | 2.72% | 3.16% | 3.07% | 3.00% | +23 bps | |
| Efficiency Ratio | 79.44% | 80.25% | 71.38% | 68.88% | 67.50% | -1,194 bps | |
| Non-Interest Burden | 2.16% | 2.15% | 2.21% | 2.07% | 1.97% | -18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.76% | 12.31% | 9.68% | 8.52% | 0.29% | -1,446 bps | |
| Loan Growth (YoY) | -4.37% | 2.50% | 7.93% | 7.68% | 12.68% | +1,705 bps | |
| Deposit Growth (YoY) | 17.61% | 12.66% | 12.83% | 9.68% | -2.07% | -1,968 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.01% | -0.03% | -0.42% | -0.23% | -33 bps | |
| Allowance / Loans | 1.31% | 1.31% | 1.25% | 1.49% | 1.41% | +10 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.87% | 8.81% | 9.17% | 9.44% | 9.59% | +72 bps | |
| Total Risk-Based Capital | 23.42% | 21.78% | 21.15% | 23.21% | 22.81% | -61 bps | |
| Equity / Assets | 9.13% | 9.07% | 9.57% | 9.59% | 9.78% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 58.82% | 63.02% | 66.50% | 64.06% | 67.68% | +886 bps | |
| Liquid Assets / Assets | 31.92% | 30.03% | 26.18% | 35.44% | 33.94% | +202 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |